EMI vs SIP for ₹900,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 14,628
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 11,418
Monthly Savings
₹ 3,210
SIP Investment
@ 12% for 13 years
₹ 1,206,574
Extra Interest Paid
₹ 376,962
Final Outcome
₹ 829,612
Profit from SIP strategy
Analysis
For ₹900,000 loan at 12%, investing savings can generate ₹1,206,574.
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