EMI vs SIP for ₹1,200,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 23,460
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 16,413
Monthly Savings
₹ 7,047
SIP Investment
@ 12% for 11 years
₹ 1,935,149
Extra Interest Paid
₹ 477,439
Final Outcome
₹ 1,457,710
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,935,149.
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