EMI vs SIP for ₹1,100,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 12,911
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 11,976
Monthly Savings
₹ 935
SIP Investment
@ 12% for 21 years
₹ 1,064,980
Extra Interest Paid
₹ 538,968
Final Outcome
₹ 526,012
Profit from SIP strategy
Analysis
For ₹1,100,000 loan at 12%, investing savings can generate ₹1,064,980.
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