EMI vs SIP for ₹1,200,000
30 Years @ 10%
Original Plan
30 Years @ 10%
EMI: ₹ 10,531
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 10,316
Monthly Savings
₹ 215
SIP Investment
@ 12% for 35 years
₹ 1,395,117
Extra Interest Paid
₹ 541,640
Final Outcome
₹ 853,477
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,395,117.
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