EMI vs SIP for ₹1,000,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 7,585
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 6,968
Monthly Savings
₹ 616
SIP Investment
@ 12% for 26 years
₹ 1,325,820
Extra Interest Paid
₹ 262,784
Final Outcome
₹ 1,063,035
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,325,820.
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