EMI vs SIP for ₹1,000,000

15 Years @ 11%

Original Plan

15 Years @ 11%

EMI: ₹ 11,366

Extended Plan

20 Years (Reduced EMI)

EMI: ₹ 10,322

Monthly Savings

₹ 1,044

SIP Investment

@ 12% for 20 years

₹ 1,043,196

Extra Interest Paid

₹ 431,378

Final Outcome

₹ 611,818

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 11%, investing savings can generate ₹1,043,196.

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