EMI vs SIP for ₹1,200,000
6 Years @ 7%
Original Plan
6 Years @ 7%
EMI: ₹ 20,459
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 13,061
Monthly Savings
₹ 7,398
SIP Investment
@ 12% for 11 years
₹ 2,031,569
Extra Interest Paid
₹ 251,007
Final Outcome
₹ 1,780,562
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹2,031,569.
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