EMI vs SIP for ₹1,000,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 12,002
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 11,011
Monthly Savings
₹ 991
SIP Investment
@ 12% for 20 years
₹ 989,975
Extra Interest Paid
₹ 482,304
Final Outcome
₹ 507,671
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹989,975.
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