EMI vs SIP for ₹1,000,000

28 Years @ 11%

Original Plan

28 Years @ 11%

EMI: ₹ 9,615

Extended Plan

33 Years (Reduced EMI)

EMI: ₹ 9,421

Monthly Savings

₹ 194

SIP Investment

@ 12% for 33 years

₹ 989,094

Extra Interest Paid

₹ 499,997

Final Outcome

₹ 489,097

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 11%, investing savings can generate ₹989,094.

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