EMI vs SIP for ₹1,000,000
17 Years @ 10%
Original Plan
17 Years @ 10%
EMI: ₹ 10,212
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 9,382
Monthly Savings
₹ 830
SIP Investment
@ 12% for 22 years
₹ 1,075,133
Extra Interest Paid
₹ 393,700
Final Outcome
₹ 681,433
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,075,133.
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