EMI vs SIP for ₹1,000,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 7,718
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 7,338
Monthly Savings
₹ 381
SIP Investment
@ 12% for 30 years
₹ 1,343,190
Extra Interest Paid
₹ 326,104
Final Outcome
₹ 1,017,086
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,343,190.
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