EMI vs SIP for ₹1,200,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 7,984
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 7,666
Monthly Savings
₹ 317
SIP Investment
@ 12% for 35 years
₹ 2,061,297
Extra Interest Paid
₹ 345,729
Final Outcome
₹ 1,715,568
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹2,061,297.
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