EMI vs SIP for ₹1,000,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 20,276
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 12,133
Monthly Savings
₹ 8,144
SIP Investment
@ 12% for 10 years
₹ 1,892,085
Extra Interest Paid
₹ 239,347
Final Outcome
₹ 1,652,737
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,892,085.
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