EMI vs SIP for ₹1,200,000
18 Years @ 11%
Original Plan
18 Years @ 11%
EMI: ₹ 12,781
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 11,964
Monthly Savings
₹ 816
SIP Investment
@ 12% for 23 years
₹ 1,202,751
Extra Interest Paid
₹ 541,482
Final Outcome
₹ 661,269
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,202,751.
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