EMI vs SIP for ₹1,000,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 8,997
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 8,392
Monthly Savings
₹ 605
SIP Investment
@ 12% for 25 years
₹ 1,148,631
Extra Interest Paid
₹ 358,247
Final Outcome
₹ 790,384
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,148,631.
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