EMI vs SIP for ₹1,200,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 8,879
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 8,570
Monthly Savings
₹ 310
SIP Investment
@ 12% for 34 years
₹ 1,781,705
Extra Interest Paid
₹ 406,400
Final Outcome
₹ 1,375,304
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,781,705.
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