EMI vs SIP for ₹1,200,000
12 Years @ 7%
Original Plan
12 Years @ 7%
EMI: ₹ 12,341
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 10,076
Monthly Savings
₹ 2,265
SIP Investment
@ 12% for 17 years
₹ 1,512,604
Extra Interest Paid
₹ 278,447
Final Outcome
₹ 1,234,157
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,512,604.
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