EMI vs SIP for ₹1,000,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 14,137
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 10,331
Monthly Savings
₹ 3,806
SIP Investment
@ 12% for 13 years
₹ 1,430,772
Extra Interest Paid
₹ 254,474
Final Outcome
₹ 1,176,297
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,430,772.
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