EMI vs SIP for ₹1,000,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 22,244
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 14,347
Monthly Savings
₹ 7,897
SIP Investment
@ 12% for 10 years
₹ 1,834,864
Extra Interest Paid
₹ 386,985
Final Outcome
₹ 1,447,879
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,834,864.
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