EMI vs SIP for ₹1,200,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 8,805
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 8,523
Monthly Savings
₹ 282
SIP Investment
@ 12% for 35 years
₹ 1,831,954
Extra Interest Paid
₹ 409,852
Final Outcome
₹ 1,422,102
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,831,954.
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