EMI vs SIP for ₹1,000,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 19,550
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 13,678
Monthly Savings
₹ 5,872
SIP Investment
@ 12% for 11 years
₹ 1,612,624
Extra Interest Paid
₹ 397,866
Final Outcome
₹ 1,214,758
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,612,624.
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