EMI vs SIP for ₹1,000,000
20 Years @ 11%
Original Plan
20 Years @ 11%
EMI: ₹ 10,322
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 9,801
Monthly Savings
₹ 521
SIP Investment
@ 12% for 25 years
₹ 988,199
Extra Interest Paid
₹ 463,087
Final Outcome
₹ 525,112
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 11%, investing savings can generate ₹988,199.
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