EMI vs SIP for ₹1,000,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 10,459
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 9,508
Monthly Savings
₹ 951
SIP Investment
@ 12% for 21 years
₹ 1,083,129
Extra Interest Paid
₹ 387,834
Final Outcome
₹ 695,295
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,083,129.
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