EMI vs SIP for ₹1,000,000
28 Years @ 10%
Original Plan
28 Years @ 10%
EMI: ₹ 8,880
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 8,657
Monthly Savings
₹ 223
SIP Investment
@ 12% for 33 years
₹ 1,133,801
Extra Interest Paid
₹ 444,636
Final Outcome
₹ 689,165
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,133,801.
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