EMI vs SIP for ₹1,200,000
8 Years @ 11%
Original Plan
8 Years @ 11%
EMI: ₹ 18,850
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 14,490
Monthly Savings
₹ 4,360
SIP Investment
@ 12% for 13 years
₹ 1,638,978
Extra Interest Paid
₹ 450,881
Final Outcome
₹ 1,188,097
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,638,978.
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