EMI vs SIP for ₹1,200,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 21,183
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 15,761
Monthly Savings
₹ 5,422
SIP Investment
@ 12% for 12 years
₹ 1,747,332
Extra Interest Paid
₹ 490,193
Final Outcome
₹ 1,257,139
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,747,332.
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