EMI vs SIP for ₹1,200,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 26,693
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 17,217
Monthly Savings
₹ 9,477
SIP Investment
@ 12% for 10 years
₹ 2,201,836
Extra Interest Paid
₹ 464,381
Final Outcome
₹ 1,737,455
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 12%, investing savings can generate ₹2,201,836.
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