EMI vs SIP for ₹1,000,000
29 Years @ 10%
Original Plan
29 Years @ 10%
EMI: ₹ 8,825
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 8,625
Monthly Savings
₹ 199
SIP Investment
@ 12% for 34 years
₹ 1,147,693
Extra Interest Paid
₹ 448,090
Final Outcome
₹ 699,603
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,147,693.
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