EMI vs SIP for ₹1,000,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 12,133
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 9,557
Monthly Savings
₹ 2,576
SIP Investment
@ 12% for 15 years
₹ 1,299,908
Extra Interest Paid
₹ 264,243
Final Outcome
₹ 1,035,666
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,299,908.
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