EMI vs SIP for ₹900,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 9,701
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 9,373
Monthly Savings
₹ 328
SIP Investment
@ 12% for 27 years
₹ 800,237
Extra Interest Paid
₹ 475,683
Final Outcome
₹ 324,554
Profit from SIP strategy
Analysis
For ₹900,000 loan at 12%, investing savings can generate ₹800,237.
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