EMI vs SIP for ₹1,000,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 10,331
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 8,750
Monthly Savings
₹ 1,581
SIP Investment
@ 12% for 18 years
₹ 1,210,246
Extra Interest Paid
₹ 278,324
Final Outcome
₹ 931,922
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,210,246.
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