EMI vs SIP for ₹1,200,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 12,388
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 12,211
Monthly Savings
₹ 178
SIP Investment
@ 12% for 34 years
₹ 1,021,866
Extra Interest Paid
₹ 670,826
Final Outcome
₹ 351,040
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,021,866.
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