EMI vs SIP for ₹1,000,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 7,821
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 7,399
Monthly Savings
₹ 421
SIP Investment
@ 12% for 29 years
₹ 1,314,306
Extra Interest Paid
₹ 322,696
Final Outcome
₹ 991,611
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,314,306.
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