EMI vs SIP for ₹1,000,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 10,779
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 10,414
Monthly Savings
₹ 365
SIP Investment
@ 12% for 27 years
₹ 889,152
Extra Interest Paid
₹ 528,537
Final Outcome
₹ 360,615
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹889,152.
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