EMI vs SIP for ₹1,200,000
7 Years @ 9%
Original Plan
7 Years @ 9%
EMI: ₹ 19,307
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 13,656
Monthly Savings
₹ 5,651
SIP Investment
@ 12% for 12 years
₹ 1,820,894
Extra Interest Paid
₹ 344,738
Final Outcome
₹ 1,476,156
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 9%, investing savings can generate ₹1,820,894.
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