EMI vs SIP for ₹1,200,000
26 Years @ 9%
Original Plan
26 Years @ 9%
EMI: ₹ 9,969
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 9,596
Monthly Savings
₹ 373
SIP Investment
@ 12% for 31 years
₹ 1,488,993
Extra Interest Paid
₹ 459,312
Final Outcome
₹ 1,029,681
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,488,993.
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