EMI vs SIP for ₹1,000,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 9,998
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 9,272
Monthly Savings
₹ 727
SIP Investment
@ 12% for 23 years
₹ 1,070,353
Extra Interest Paid
₹ 399,359
Final Outcome
₹ 670,994
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,070,353.
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