EMI vs SIP for ₹1,200,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 12,439
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 12,238
Monthly Savings
₹ 201
SIP Investment
@ 12% for 33 years
₹ 1,026,077
Extra Interest Paid
₹ 666,596
Final Outcome
₹ 359,482
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,026,077.
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