EMI vs SIP for ₹1,200,000
14 Years @ 8%
Original Plan
14 Years @ 8%
EMI: ₹ 11,896
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 10,254
Monthly Savings
₹ 1,642
SIP Investment
@ 12% for 19 years
₹ 1,437,111
Extra Interest Paid
₹ 339,418
Final Outcome
₹ 1,097,693
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,437,111.
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