EMI vs SIP for ₹1,200,000
30 Years @ 11%
Original Plan
30 Years @ 11%
EMI: ₹ 11,428
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 11,243
Monthly Savings
₹ 184
SIP Investment
@ 12% for 35 years
₹ 1,197,655
Extra Interest Paid
₹ 608,230
Final Outcome
₹ 589,426
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,197,655.
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