EMI vs SIP for ₹1,100,000

18 Years @ 8%

Original Plan

18 Years @ 8%

EMI: ₹ 9,625

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 8,728

Monthly Savings

₹ 897

SIP Investment

@ 12% for 23 years

₹ 1,320,759

Extra Interest Paid

₹ 330,011

Final Outcome

₹ 990,748

Profit from SIP strategy

Analysis

For ₹1,100,000 loan at 8%, investing savings can generate ₹1,320,759.

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