EMI vs SIP for ₹1,000,000
26 Years @ 9%
Original Plan
26 Years @ 9%
EMI: ₹ 8,307
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 7,996
Monthly Savings
₹ 311
SIP Investment
@ 12% for 31 years
₹ 1,240,827
Extra Interest Paid
₹ 382,760
Final Outcome
₹ 858,068
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,240,827.
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