EMI vs SIP for ₹1,000,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 10,286
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 10,155
Monthly Savings
₹ 131
SIP Investment
@ 12% for 35 years
₹ 848,465
Extra Interest Paid
₹ 562,304
Final Outcome
₹ 286,161
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹848,465.
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