EMI vs SIP for ₹1,100,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 10,759
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 8,971
Monthly Savings
₹ 1,788
SIP Investment
@ 12% for 18 years
₹ 1,368,829
Extra Interest Paid
₹ 259,258
Final Outcome
₹ 1,109,571
Profit from SIP strategy
Analysis
For ₹1,100,000 loan at 7%, investing savings can generate ₹1,368,829.
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