EMI vs SIP for ₹1,200,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 18,703
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 12,989
Monthly Savings
₹ 5,714
SIP Investment
@ 12% for 12 years
₹ 1,841,357
Extra Interest Paid
₹ 299,388
Final Outcome
₹ 1,541,970
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,841,357.
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