EMI vs SIP for ₹1,000,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 9,650
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 9,087
Monthly Savings
₹ 563
SIP Investment
@ 12% for 25 years
₹ 1,068,765
Extra Interest Paid
₹ 410,050
Final Outcome
₹ 658,715
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,068,765.
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