EMI vs SIP for ₹1,000,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 10,470
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 10,253
Monthly Savings
₹ 216
SIP Investment
@ 12% for 31 years
₹ 863,593
Extra Interest Paid
₹ 547,664
Final Outcome
₹ 315,929
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹863,593.
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