EMI vs SIP for ₹1,200,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 13,064
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 12,563
Monthly Savings
₹ 501
SIP Investment
@ 12% for 26 years
₹ 1,077,635
Extra Interest Paid
₹ 627,562
Final Outcome
₹ 450,072
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,077,635.
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