EMI vs SIP for ₹1,200,000
19 Years @ 8%
Original Plan
19 Years @ 8%
EMI: ₹ 10,254
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 9,385
Monthly Savings
₹ 869
SIP Investment
@ 12% for 24 years
₹ 1,454,179
Extra Interest Paid
₹ 364,863
Final Outcome
₹ 1,089,316
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,454,179.
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