EMI vs SIP for ₹1,200,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 12,497
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 12,269
Monthly Savings
₹ 229
SIP Investment
@ 12% for 32 years
₹ 1,030,864
Extra Interest Paid
₹ 662,058
Final Outcome
₹ 368,807
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹1,030,864.
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