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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