EMI vs SIP for ₹1,200,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 12,343
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 12,187
Monthly Savings
₹ 157
SIP Investment
@ 12% for 35 years
₹ 1,018,158
Extra Interest Paid
₹ 674,764
Final Outcome
₹ 343,394
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,018,158.
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