EMI vs SIP for ₹1,200,000
24 Years @ 9%
Original Plan
24 Years @ 9%
EMI: ₹ 10,184
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 9,722
Monthly Savings
₹ 462
SIP Investment
@ 12% for 29 years
₹ 1,442,271
Extra Interest Paid
₹ 450,234
Final Outcome
₹ 992,036
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,442,271.
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