EMI vs SIP for ₹1,000,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 8,672
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 7,585
Monthly Savings
₹ 1,087
SIP Investment
@ 12% for 21 years
₹ 1,238,152
Extra Interest Paid
₹ 246,309
Final Outcome
₹ 991,843
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,238,152.
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