EMI vs SIP for ₹1,200,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 12,989
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 10,779
Monthly Savings
₹ 2,210
SIP Investment
@ 12% for 17 years
₹ 1,476,338
Extra Interest Paid
₹ 328,455
Final Outcome
₹ 1,147,883
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,476,338.
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