EMI vs SIP for ₹1,200,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 8,362
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 7,909
Monthly Savings
₹ 453
SIP Investment
@ 12% for 31 years
₹ 1,809,019
Extra Interest Paid
₹ 333,080
Final Outcome
₹ 1,475,939
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,809,019.
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