EMI vs SIP for ₹1,000,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 15,174
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 11,478
Monthly Savings
₹ 3,696
SIP Investment
@ 12% for 13 years
₹ 1,389,322
Extra Interest Paid
₹ 333,923
Final Outcome
₹ 1,055,399
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 10%, investing savings can generate ₹1,389,322.
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