EMI vs SIP for ₹1,200,000
25 Years @ 7%
Original Plan
25 Years @ 7%
EMI: ₹ 8,481
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 7,984
Monthly Savings
₹ 498
SIP Investment
@ 12% for 30 years
₹ 1,756,910
Extra Interest Paid
₹ 329,702
Final Outcome
₹ 1,427,209
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,756,910.
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