EMI vs SIP for ₹1,000,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 7,338
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 7,103
Monthly Savings
₹ 235
SIP Investment
@ 12% for 35 years
₹ 1,526,628
Extra Interest Paid
₹ 341,543
Final Outcome
₹ 1,185,085
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,526,628.
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