EMI vs SIP for ₹1,000,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 10,324
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 10,176
Monthly Savings
₹ 148
SIP Investment
@ 12% for 34 years
₹ 851,555
Extra Interest Paid
₹ 559,022
Final Outcome
₹ 292,533
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹851,555.
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