EMI vs SIP for ₹1,200,000
16 Years @ 11%
Original Plan
16 Years @ 11%
EMI: ₹ 13,308
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 12,226
Monthly Savings
₹ 1,082
SIP Investment
@ 12% for 21 years
₹ 1,231,537
Extra Interest Paid
₹ 525,929
Final Outcome
₹ 705,608
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,231,537.
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