EMI vs SIP for ₹1,000,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 8,364
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 7,718
Monthly Savings
₹ 646
SIP Investment
@ 12% for 25 years
₹ 1,226,325
Extra Interest Paid
₹ 307,992
Final Outcome
₹ 918,332
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,226,325.
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