EMI vs SIP for ₹1,000,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 8,983
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 8,062
Monthly Savings
₹ 921
SIP Investment
@ 12% for 22 years
₹ 1,193,247
Extra Interest Paid
₹ 295,866
Final Outcome
₹ 897,381
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,193,247.
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