EMI vs SIP for ₹1,200,000
23 Years @ 10%
Original Plan
23 Years @ 10%
EMI: ₹ 11,126
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 10,656
Monthly Savings
₹ 471
SIP Investment
@ 12% for 28 years
₹ 1,298,342
Extra Interest Paid
₹ 509,431
Final Outcome
₹ 788,912
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,298,342.
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