EMI vs SIP for ₹1,200,000
5 Years @ 7%
Original Plan
5 Years @ 7%
EMI: ₹ 23,761
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 13,933
Monthly Savings
₹ 9,828
SIP Investment
@ 12% for 10 years
₹ 2,283,526
Extra Interest Paid
₹ 246,276
Final Outcome
₹ 2,037,250
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹2,283,526.
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