EMI vs SIP for ₹1,200,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 19,503
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 15,224
Monthly Savings
₹ 4,279
SIP Investment
@ 12% for 13 years
₹ 1,608,765
Extra Interest Paid
₹ 502,616
Final Outcome
₹ 1,106,150
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,608,765.
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