EMI vs SIP for ₹1,000,000
27 Years @ 7%
Original Plan
27 Years @ 7%
EMI: ₹ 6,878
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 6,533
Monthly Savings
₹ 345
SIP Investment
@ 12% for 32 years
₹ 1,554,523
Extra Interest Paid
₹ 280,310
Final Outcome
₹ 1,274,213
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,554,523.
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