EMI vs SIP for ₹1,200,000
11 Years @ 9%
Original Plan
11 Years @ 9%
EMI: ₹ 14,353
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 11,814
Monthly Savings
₹ 2,539
SIP Investment
@ 12% for 16 years
₹ 1,475,988
Extra Interest Paid
₹ 373,733
Final Outcome
₹ 1,102,255
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,475,988.
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