EMI vs SIP for ₹1,000,000

12 Years @ 11%

Original Plan

12 Years @ 11%

EMI: ₹ 12,536

Extended Plan

17 Years (Reduced EMI)

EMI: ₹ 10,854

Monthly Savings

₹ 1,682

SIP Investment

@ 12% for 17 years

₹ 1,123,273

Extra Interest Paid

₹ 409,057

Final Outcome

₹ 714,216

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 11%, investing savings can generate ₹1,123,273.

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