EMI vs SIP for ₹1,200,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 12,563
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 12,304
Monthly Savings
₹ 260
SIP Investment
@ 12% for 31 years
₹ 1,036,312
Extra Interest Paid
₹ 657,197
Final Outcome
₹ 379,115
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,036,312.
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