EMI vs SIP for ₹1,200,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 8,613
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 8,066
Monthly Savings
₹ 548
SIP Investment
@ 12% for 29 years
₹ 1,709,055
Extra Interest Paid
₹ 326,238
Final Outcome
₹ 1,382,817
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,709,055.
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