EMI vs SIP for ₹1,200,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 9,151
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 8,738
Monthly Savings
₹ 413
SIP Investment
@ 12% for 31 years
₹ 1,649,636
Extra Interest Paid
₹ 395,286
Final Outcome
₹ 1,254,350
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,649,636.
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