EMI vs SIP for ₹1,200,000
27 Years @ 7%
Original Plan
27 Years @ 7%
EMI: ₹ 8,254
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 7,840
Monthly Savings
₹ 414
SIP Investment
@ 12% for 32 years
₹ 1,865,428
Extra Interest Paid
₹ 336,372
Final Outcome
₹ 1,529,056
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,865,428.
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