EMI vs SIP for ₹1,200,000
9 Years @ 10%
Original Plan
9 Years @ 10%
EMI: ₹ 16,894
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 13,298
Monthly Savings
₹ 3,596
SIP Investment
@ 12% for 14 years
₹ 1,569,355
Extra Interest Paid
₹ 409,539
Final Outcome
₹ 1,159,816
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,569,355.
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