EMI vs SIP for ₹1,000,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 10,143
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 8,997
Monthly Savings
₹ 1,145
SIP Investment
@ 12% for 20 years
₹ 1,144,430
Extra Interest Paid
₹ 333,662
Final Outcome
₹ 810,768
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,144,430.
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