EMI vs SIP for ₹1,000,000
29 Years @ 9%
Original Plan
29 Years @ 9%
EMI: ₹ 8,102
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 7,873
Monthly Savings
₹ 228
SIP Investment
@ 12% for 34 years
₹ 1,312,633
Extra Interest Paid
₹ 393,001
Final Outcome
₹ 919,632
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,312,633.
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