EMI vs SIP for ₹1,200,000
29 Years @ 9%
Original Plan
29 Years @ 9%
EMI: ₹ 9,722
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 9,448
Monthly Savings
₹ 274
SIP Investment
@ 12% for 34 years
₹ 1,575,160
Extra Interest Paid
₹ 471,601
Final Outcome
₹ 1,103,559
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,575,160.
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