EMI vs SIP for ₹1,000,000
17 Years @ 7%
Original Plan
17 Years @ 7%
EMI: ₹ 8,397
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 7,434
Monthly Savings
₹ 962
SIP Investment
@ 12% for 22 years
₹ 1,247,126
Extra Interest Paid
₹ 249,732
Final Outcome
₹ 997,394
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,247,126.
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