EMI vs SIP for ₹1,200,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 12,639
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 12,343
Monthly Savings
₹ 295
SIP Investment
@ 12% for 30 years
₹ 1,042,520
Extra Interest Paid
₹ 652,000
Final Outcome
₹ 390,520
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,042,520.
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