EMI vs SIP for ₹1,000,000
30 Years @ 10%
Original Plan
30 Years @ 10%
EMI: ₹ 8,776
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 8,597
Monthly Savings
₹ 179
SIP Investment
@ 12% for 35 years
₹ 1,162,598
Extra Interest Paid
₹ 451,367
Final Outcome
₹ 711,231
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,162,598.
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