EMI vs SIP for ₹1,200,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 15,008

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 11,225

Monthly Savings

₹ 3,783

SIP Investment

@ 12% for 14 years

₹ 1,650,849

Extra Interest Paid

₹ 264,954

Final Outcome

₹ 1,385,895

Profit from SIP strategy

Analysis

For ₹1,200,000 loan at 7%, investing savings can generate ₹1,650,849.

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