EMI vs SIP for ₹1,200,000
5 Years @ 10%
Original Plan
5 Years @ 10%
EMI: ₹ 25,496
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 15,858
Monthly Savings
₹ 9,638
SIP Investment
@ 12% for 10 years
₹ 2,239,369
Extra Interest Paid
₹ 373,183
Final Outcome
₹ 1,866,185
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹2,239,369.
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