EMI vs SIP for ₹1,000,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 7,543
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 7,230
Monthly Savings
₹ 312
SIP Investment
@ 12% for 32 years
₹ 1,408,798
Extra Interest Paid
₹ 332,598
Final Outcome
₹ 1,076,199
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,408,798.
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