EMI vs SIP for ₹1,000,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 9,364
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 8,593
Monthly Savings
₹ 772
SIP Investment
@ 12% for 23 years
₹ 1,136,857
Extra Interest Paid
₹ 348,859
Final Outcome
₹ 787,998
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,136,857.
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