EMI vs SIP for ₹1,000,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 7,468
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 7,184
Monthly Savings
₹ 284
SIP Investment
@ 12% for 33 years
₹ 1,445,482
Extra Interest Paid
₹ 335,685
Final Outcome
₹ 1,109,797
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,445,482.
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