EMI vs SIP for ₹1,200,000
29 Years @ 10%
Original Plan
29 Years @ 10%
EMI: ₹ 10,590
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 10,350
Monthly Savings
₹ 239
SIP Investment
@ 12% for 34 years
₹ 1,377,232
Extra Interest Paid
₹ 537,708
Final Outcome
₹ 839,523
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,377,232.
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