EMI vs SIP for ₹1,000,000

6 Years @ 9%

Original Plan

6 Years @ 9%

EMI: ₹ 18,026

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 11,961

Monthly Savings

₹ 6,065

SIP Investment

@ 12% for 11 years

₹ 1,665,466

Extra Interest Paid

₹ 280,987

Final Outcome

₹ 1,384,478

Profit from SIP strategy

Analysis

For ₹1,000,000 loan at 9%, investing savings can generate ₹1,665,466.

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