EMI vs SIP for ₹1,000,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 7,935
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 7,468
Monthly Savings
₹ 467
SIP Investment
@ 12% for 28 years
₹ 1,288,092
Extra Interest Paid
₹ 319,180
Final Outcome
₹ 968,912
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,288,092.
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