EMI vs SIP for ₹1,000,000
9 Years @ 7%
Original Plan
9 Years @ 7%
EMI: ₹ 12,506
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 9,354
Monthly Savings
₹ 3,152
SIP Investment
@ 12% for 14 years
₹ 1,375,708
Extra Interest Paid
₹ 220,795
Final Outcome
₹ 1,154,913
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,375,708.
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