EMI vs SIP for ₹1,200,000
24 Years @ 11%
Original Plan
24 Years @ 11%
EMI: ₹ 11,856
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 11,480
Monthly Savings
₹ 377
SIP Investment
@ 12% for 29 years
₹ 1,175,980
Extra Interest Paid
₹ 580,265
Final Outcome
₹ 595,716
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 11%, investing savings can generate ₹1,175,980.
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