EMI vs SIP for ₹1,000,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 10,366
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 10,198
Monthly Savings
₹ 168
SIP Investment
@ 12% for 33 years
₹ 855,064
Extra Interest Paid
₹ 555,496
Final Outcome
₹ 299,568
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹855,064.
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