EMI vs SIP for ₹1,200,000
29 Years @ 7%
Original Plan
29 Years @ 7%
EMI: ₹ 8,066
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 7,719
Monthly Savings
₹ 346
SIP Investment
@ 12% for 34 years
₹ 1,991,461
Extra Interest Paid
₹ 342,697
Final Outcome
₹ 1,648,765
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,991,461.
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