EMI vs SIP for ₹1,000,000
21 Years @ 10%
Original Plan
21 Years @ 10%
EMI: ₹ 9,508
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 9,010
Monthly Savings
₹ 498
SIP Investment
@ 12% for 26 years
₹ 1,071,319
Extra Interest Paid
₹ 415,083
Final Outcome
₹ 656,237
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,071,319.
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