EMI vs SIP for ₹1,200,000
14 Years @ 12%
Original Plan
14 Years @ 12%
EMI: ₹ 14,777
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 13,385
Monthly Savings
₹ 1,393
SIP Investment
@ 12% for 19 years
₹ 1,218,914
Extra Interest Paid
₹ 569,133
Final Outcome
₹ 649,781
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,218,914.
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