EMI vs SIP for ₹1,200,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 14,559
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 11,468
Monthly Savings
₹ 3,091
SIP Investment
@ 12% for 15 years
₹ 1,559,890
Extra Interest Paid
₹ 317,091
Final Outcome
₹ 1,242,799
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,559,890.
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