EMI vs SIP for ₹1,200,000
23 Years @ 11%
Original Plan
23 Years @ 11%
EMI: ₹ 11,964
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 11,538
Monthly Savings
₹ 426
SIP Investment
@ 12% for 28 years
₹ 1,176,086
Extra Interest Paid
₹ 574,597
Final Outcome
₹ 601,489
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,176,086.
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