EMI vs SIP for ₹1,200,000
30 Years @ 9%
Original Plan
30 Years @ 9%
EMI: ₹ 9,655
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 9,408
Monthly Savings
₹ 248
SIP Investment
@ 12% for 35 years
₹ 1,607,941
Extra Interest Paid
₹ 475,355
Final Outcome
₹ 1,132,586
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,607,941.
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