EMI vs SIP for ₹1,000,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 10,604
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 10,324
Monthly Savings
₹ 280
SIP Investment
@ 12% for 29 years
₹ 874,670
Extra Interest Paid
₹ 538,709
Final Outcome
₹ 335,962
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹874,670.
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