EMI vs SIP for ₹1,000,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 12,687
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 11,320
Monthly Savings
₹ 1,367
SIP Investment
@ 12% for 18 years
₹ 1,046,477
Extra Interest Paid
₹ 465,894
Final Outcome
₹ 580,583
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,046,477.
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