EMI vs SIP for ₹1,000,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 7,399
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 7,141
Monthly Savings
₹ 258
SIP Investment
@ 12% for 34 years
₹ 1,484,754
Extra Interest Paid
₹ 338,667
Final Outcome
₹ 1,146,087
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,484,754.
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