EMI vs SIP for ₹1,000,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 6,653
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 6,389
Monthly Savings
₹ 264
SIP Investment
@ 12% for 35 years
₹ 1,717,748
Extra Interest Paid
₹ 288,108
Final Outcome
₹ 1,429,640
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,717,748.
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