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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