EMI vs SIP for ₹1,000,000
28 Years @ 7%
Original Plan
28 Years @ 7%
EMI: ₹ 6,796
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 6,481
Monthly Savings
₹ 315
SIP Investment
@ 12% for 33 years
₹ 1,605,175
Extra Interest Paid
₹ 282,981
Final Outcome
₹ 1,322,194
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,605,175.
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