EMI vs SIP for ₹1,200,000
13 Years @ 10%
Original Plan
13 Years @ 10%
EMI: ₹ 13,774
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 11,998
Monthly Savings
₹ 1,776
SIP Investment
@ 12% for 18 years
₹ 1,359,460
Extra Interest Paid
₹ 442,823
Final Outcome
₹ 916,637
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,359,460.
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