EMI vs SIP for ₹1,200,000
28 Years @ 10%
Original Plan
28 Years @ 10%
EMI: ₹ 10,656
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 10,388
Monthly Savings
₹ 267
SIP Investment
@ 12% for 33 years
₹ 1,360,561
Extra Interest Paid
₹ 533,563
Final Outcome
₹ 826,998
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,360,561.
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