EMI vs SIP for ₹1,000,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 8,750
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 7,935
Monthly Savings
₹ 815
SIP Investment
@ 12% for 23 years
₹ 1,200,690
Extra Interest Paid
₹ 300,010
Final Outcome
₹ 900,680
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,200,690.
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