EMI vs SIP for ₹1,200,000
28 Years @ 9%
Original Plan
28 Years @ 9%
EMI: ₹ 9,796
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 9,492
Monthly Savings
₹ 303
SIP Investment
@ 12% for 33 years
₹ 1,544,379
Extra Interest Paid
₹ 467,678
Final Outcome
₹ 1,076,701
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,544,379.
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