EMI vs SIP for ₹1,200,000
27 Years @ 10%
Original Plan
27 Years @ 10%
EMI: ₹ 10,729
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 10,431
Monthly Savings
₹ 298
SIP Investment
@ 12% for 32 years
₹ 1,345,176
Extra Interest Paid
₹ 529,199
Final Outcome
₹ 815,977
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,345,176.
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