EMI vs SIP for ₹1,200,000
9 Years @ 12%
Original Plan
9 Years @ 12%
EMI: ₹ 18,221
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 14,777
Monthly Savings
₹ 3,444
SIP Investment
@ 12% for 14 years
₹ 1,502,991
Extra Interest Paid
₹ 514,685
Final Outcome
₹ 988,305
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,502,991.
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