EMI vs SIP for ₹1,000,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 9,557
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 8,364
Monthly Savings
₹ 1,192
SIP Investment
@ 12% for 20 years
₹ 1,191,104
Extra Interest Paid
₹ 287,282
Final Outcome
₹ 903,822
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,191,104.
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