EMI vs SIP for ₹1,200,000
25 Years @ 10%
Original Plan
25 Years @ 10%
EMI: ₹ 10,904
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 10,531
Monthly Savings
₹ 374
SIP Investment
@ 12% for 30 years
₹ 1,318,600
Extra Interest Paid
₹ 519,786
Final Outcome
₹ 798,813
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,318,600.
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