EMI vs SIP for ₹1,000,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 11,512
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 10,779
Monthly Savings
₹ 733
SIP Investment
@ 12% for 22 years
₹ 949,596
Extra Interest Paid
₹ 497,278
Final Outcome
₹ 452,318
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹949,596.
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