EMI vs SIP for ₹1,000,000

10 Years @ 9%

Original Plan

10 Years @ 9%

EMI: ₹ 12,668

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 10,143

Monthly Savings

₹ 2,525

SIP Investment

@ 12% for 15 years

₹ 1,274,010

Extra Interest Paid

₹ 305,571

Final Outcome

₹ 968,439

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 9%, investing savings can generate ₹1,274,010.

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