EMI vs SIP for ₹1,200,000

8 Years @ 9%

Original Plan

8 Years @ 9%

EMI: ₹ 17,580

Extended Plan

13 Years (Reduced EMI)

EMI: ₹ 13,076

Monthly Savings

₹ 4,504

SIP Investment

@ 12% for 13 years

₹ 1,693,223

Extra Interest Paid

₹ 352,179

Final Outcome

₹ 1,341,045

Profit from SIP strategy

Analysis

For ₹1,200,000 loan at 9%, investing savings can generate ₹1,693,223.

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