EMI vs SIP for ₹1,200,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 9,262
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 8,805
Monthly Savings
₹ 457
SIP Investment
@ 12% for 30 years
₹ 1,611,828
Extra Interest Paid
₹ 391,325
Final Outcome
₹ 1,220,504
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,611,828.
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