EMI vs SIP for ₹1,200,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 10,037
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 9,262
Monthly Savings
₹ 775
SIP Investment
@ 12% for 25 years
₹ 1,471,590
Extra Interest Paid
₹ 369,591
Final Outcome
₹ 1,101,999
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,471,590.
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