EMI vs SIP for ₹900,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 20,020
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 12,912
Monthly Savings
₹ 7,108
SIP Investment
@ 12% for 10 years
₹ 1,651,377
Extra Interest Paid
₹ 348,286
Final Outcome
₹ 1,303,091
Profit from SIP strategy
Analysis
For ₹900,000 loan at 12%, investing savings can generate ₹1,651,377.
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