EMI vs SIP for ₹1,000,000
26 Years @ 10%
Original Plan
26 Years @ 10%
EMI: ₹ 9,010
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 8,732
Monthly Savings
₹ 278
SIP Investment
@ 12% for 31 years
₹ 1,109,297
Extra Interest Paid
₹ 437,173
Final Outcome
₹ 672,124
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,109,297.
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