EMI vs SIP for ₹1,200,000
7 Years @ 7%
Original Plan
7 Years @ 7%
EMI: ₹ 18,111
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 12,341
Monthly Savings
₹ 5,771
SIP Investment
@ 12% for 12 years
₹ 1,859,602
Extra Interest Paid
₹ 255,700
Final Outcome
₹ 1,603,902
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,859,602.
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