EMI vs SIP for ₹1,200,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 12,823
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 12,439
Monthly Savings
₹ 383
SIP Investment
@ 12% for 28 years
₹ 1,057,704
Extra Interest Paid
₹ 640,537
Final Outcome
₹ 417,168
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,057,704.
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