EMI vs SIP for ₹1,000,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 14,347
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 12,002
Monthly Savings
₹ 2,345
SIP Investment
@ 12% for 15 years
₹ 1,183,440
Extra Interest Paid
₹ 438,651
Final Outcome
₹ 744,789
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,183,440.
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