EMI vs SIP for ₹1,000,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 7,434
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 6,878
Monthly Savings
₹ 556
SIP Investment
@ 12% for 27 years
₹ 1,355,049
Extra Interest Paid
₹ 265,881
Final Outcome
₹ 1,089,168
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,355,049.
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