EMI vs SIP for ₹1,200,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 12,171
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 10,797
Monthly Savings
₹ 1,374
SIP Investment
@ 12% for 20 years
₹ 1,373,316
Extra Interest Paid
₹ 400,395
Final Outcome
₹ 972,921
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,373,316.
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