EMI vs SIP for ₹1,000,000
30 Years @ 9%
Original Plan
30 Years @ 9%
EMI: ₹ 8,046
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 7,840
Monthly Savings
₹ 206
SIP Investment
@ 12% for 35 years
₹ 1,339,951
Extra Interest Paid
₹ 396,129
Final Outcome
₹ 943,822
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,339,951.
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