EMI vs SIP for ₹1,200,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 9,521
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 8,961
Monthly Savings
₹ 560
SIP Investment
@ 12% for 28 years
₹ 1,545,710
Extra Interest Paid
₹ 383,016
Final Outcome
₹ 1,162,695
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,545,710.
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