EMI vs SIP for ₹1,000,000

25 Years @ 11%

Original Plan

25 Years @ 11%

EMI: ₹ 9,801

Extended Plan

30 Years (Reduced EMI)

EMI: ₹ 9,523

Monthly Savings

₹ 278

SIP Investment

@ 12% for 30 years

₹ 980,952

Extra Interest Paid

₹ 488,025

Final Outcome

₹ 492,927

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 11%, investing savings can generate ₹980,952.

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