EMI vs SIP for ₹1,200,000
6 Years @ 10%
Original Plan
6 Years @ 10%
EMI: ₹ 22,231
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 15,024
Monthly Savings
₹ 7,207
SIP Investment
@ 12% for 11 years
₹ 1,979,191
Extra Interest Paid
₹ 382,516
Final Outcome
₹ 1,596,675
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,979,191.
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