EMI vs SIP for ₹1,200,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 9,051
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 8,676
Monthly Savings
₹ 375
SIP Investment
@ 12% for 32 years
₹ 1,690,557
Extra Interest Paid
₹ 399,118
Final Outcome
₹ 1,291,439
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 8%, investing savings can generate ₹1,690,557.
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