EMI vs SIP for ₹1,200,000
28 Years @ 7%
Original Plan
28 Years @ 7%
EMI: ₹ 8,155
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 7,777
Monthly Savings
₹ 378
SIP Investment
@ 12% for 33 years
₹ 1,926,210
Extra Interest Paid
₹ 339,577
Final Outcome
₹ 1,586,633
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,926,210.
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