EMI vs SIP for ₹1,000,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 7,753
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 7,068
Monthly Savings
₹ 685
SIP Investment
@ 12% for 25 years
₹ 1,300,255
Extra Interest Paid
₹ 259,620
Final Outcome
₹ 1,040,634
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,300,255.
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