EMI vs SIP for ₹1,200,000
6 Years @ 8%
Original Plan
6 Years @ 8%
EMI: ₹ 21,040
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 13,699
Monthly Savings
₹ 7,341
SIP Investment
@ 12% for 11 years
₹ 2,016,044
Extra Interest Paid
₹ 293,335
Final Outcome
₹ 1,722,709
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹2,016,044.
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