EMI vs SIP for ₹1,200,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 15,224
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 13,583
Monthly Savings
₹ 1,641
SIP Investment
@ 12% for 18 years
₹ 1,255,772
Extra Interest Paid
₹ 559,072
Final Outcome
₹ 696,700
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,255,772.
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