EMI vs SIP for ₹1,200,000
27 Years @ 9%
Original Plan
27 Years @ 9%
EMI: ₹ 9,878
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 9,541
Monthly Savings
₹ 336
SIP Investment
@ 12% for 32 years
₹ 1,515,639
Extra Interest Paid
₹ 463,582
Final Outcome
₹ 1,052,057
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,515,639.
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