EMI vs SIP for ₹1,000,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 10,825
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 8,983
Monthly Savings
₹ 1,842
SIP Investment
@ 12% for 17 years
₹ 1,230,282
Extra Interest Paid
₹ 273,712
Final Outcome
₹ 956,569
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,230,282.
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