EMI vs SIP for ₹1,200,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 13,699
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 11,099
Monthly Savings
₹ 2,599
SIP Investment
@ 12% for 16 years
₹ 1,511,255
Extra Interest Paid
₹ 322,820
Final Outcome
₹ 1,188,435
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,511,255.
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