EMI vs SIP for ₹1,000,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 7,299
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 6,796
Monthly Savings
₹ 503
SIP Investment
@ 12% for 28 years
₹ 1,387,861
Extra Interest Paid
₹ 268,908
Final Outcome
₹ 1,118,953
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,387,861.
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