EMI vs SIP for ₹1,200,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 18,209
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 13,774
Monthly Savings
₹ 4,435
SIP Investment
@ 12% for 13 years
₹ 1,667,187
Extra Interest Paid
₹ 400,708
Final Outcome
₹ 1,266,479
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 10%, investing savings can generate ₹1,667,187.
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