EMI vs SIP for ₹1,200,000

7 Years @ 11%

Original Plan

7 Years @ 11%

EMI: ₹ 20,547

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 15,043

Monthly Savings

₹ 5,504

SIP Investment

@ 12% for 12 years

₹ 1,773,760

Extra Interest Paid

₹ 440,202

Final Outcome

₹ 1,333,558

Profit from SIP strategy

Analysis

For ₹1,200,000 loan at 11%, investing savings can generate ₹1,773,760.

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