EMI vs SIP for ₹1,200,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 16,360
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 11,737
Monthly Savings
₹ 4,624
SIP Investment
@ 12% for 13 years
₹ 1,738,144
Extra Interest Paid
₹ 260,351
Final Outcome
₹ 1,477,794
Profit from SIP strategy
Analysis
For ₹1,200,000 loan at 7%, investing savings can generate ₹1,738,144.
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