EMI vs SIP for ₹1,000,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 10,887
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 10,470
Monthly Savings
₹ 417
SIP Investment
@ 12% for 26 years
₹ 898,029
Extra Interest Paid
₹ 522,969
Final Outcome
₹ 375,060
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹898,029.
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