EMI vs SIP for ₹1,200,000
9 Years @ 8%
Original Plan
9 Years @ 8%
EMI: ₹ 15,622
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 11,896
Monthly Savings
₹ 3,727
SIP Investment
@ 12% for 14 years
₹ 1,626,372
Extra Interest Paid
₹ 311,272
Final Outcome
₹ 1,315,100
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,626,372.
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