EMI vs SIP for ₹1,000,000
27 Years @ 9%
Original Plan
27 Years @ 9%
EMI: ₹ 8,231
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 7,951
Monthly Savings
₹ 280
SIP Investment
@ 12% for 32 years
₹ 1,263,033
Extra Interest Paid
₹ 386,319
Final Outcome
₹ 876,714
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,263,033.
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