EMI vs SIP for ₹1,200,000
26 Years @ 11%
Original Plan
26 Years @ 11%
EMI: ₹ 11,678
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 11,382
Monthly Savings
₹ 296
SIP Investment
@ 12% for 31 years
₹ 1,179,429
Extra Interest Paid
₹ 590,701
Final Outcome
₹ 588,728
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,179,429.
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