EMI vs SIP for ₹900,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 9,479
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 9,258
Monthly Savings
₹ 222
SIP Investment
@ 12% for 30 years
₹ 781,890
Extra Interest Paid
₹ 489,000
Final Outcome
₹ 292,890
Profit from SIP strategy
Analysis
For ₹900,000 loan at 12%, investing savings can generate ₹781,890.
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