EMI vs SIP for ₹1,000,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 10,746
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 9,650
Monthly Savings
₹ 1,096
SIP Investment
@ 12% for 20 years
₹ 1,094,901
Extra Interest Paid
₹ 381,763
Final Outcome
₹ 713,138
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,094,901.
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