EMI vs SIP for ₹1,200,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 14,085
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 13,064
Monthly Savings
₹ 1,020
SIP Investment
@ 12% for 21 years
₹ 1,161,796
Extra Interest Paid
₹ 587,965
Final Outcome
₹ 573,831
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,161,796.
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