EMI vs SIP for ₹1,200,000
7 Years @ 10%
Original Plan
7 Years @ 10%
EMI: ₹ 19,921
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 14,341
Monthly Savings
₹ 5,580
SIP Investment
@ 12% for 12 years
₹ 1,798,322
Extra Interest Paid
₹ 391,696
Final Outcome
₹ 1,406,626
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,798,322.
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