EMI vs SIP for ₹1,000,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 13,678
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 11,737
Monthly Savings
₹ 1,941
SIP Investment
@ 12% for 16 years
₹ 1,128,239
Extra Interest Paid
₹ 448,072
Final Outcome
₹ 680,166
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,128,239.
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