EMI vs SIP for ₹1,200,000
27 Years @ 11%
Original Plan
27 Years @ 11%
EMI: ₹ 11,603
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 11,341
Monthly Savings
₹ 262
SIP Investment
@ 12% for 32 years
₹ 1,182,721
Extra Interest Paid
₹ 595,487
Final Outcome
₹ 587,234
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,182,721.
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