EMI vs SIP for ₹1,200,000
28 Years @ 11%
Original Plan
28 Years @ 11%
EMI: ₹ 11,538
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 11,305
Monthly Savings
₹ 233
SIP Investment
@ 12% for 33 years
₹ 1,186,913
Extra Interest Paid
₹ 599,997
Final Outcome
₹ 586,916
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,186,913.
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