EMI vs SIP for ₹1,200,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 8,961
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 8,621
Monthly Savings
₹ 341
SIP Investment
@ 12% for 33 years
₹ 1,734,579
Extra Interest Paid
₹ 402,823
Final Outcome
₹ 1,331,756
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,734,579.
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