EMI vs SIP for ₹1,000,000
7 Years @ 10%
Original Plan
7 Years @ 10%
EMI: ₹ 16,601
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 11,951
Monthly Savings
₹ 4,650
SIP Investment
@ 12% for 12 years
₹ 1,498,602
Extra Interest Paid
₹ 326,413
Final Outcome
₹ 1,172,189
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,498,602.
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