EMI vs SIP for ₹1,000,000
13 Years @ 9%
Original Plan
13 Years @ 9%
EMI: ₹ 10,897
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 9,364
Monthly Savings
₹ 1,532
SIP Investment
@ 12% for 18 years
₹ 1,172,926
Extra Interest Paid
₹ 322,819
Final Outcome
₹ 850,107
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,172,926.
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