EMI vs SIP for ₹1,200,000
12 Years @ 10%
Original Plan
12 Years @ 10%
EMI: ₹ 14,341
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 12,255
Monthly Savings
₹ 2,086
SIP Investment
@ 12% for 17 years
₹ 1,393,559
Extra Interest Paid
₹ 434,828
Final Outcome
₹ 958,731
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,393,559.
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