EMI vs SIP for ₹1,100,000

20 Years @ 7%

Original Plan

20 Years @ 7%

EMI: ₹ 8,528

Extended Plan

25 Years (Reduced EMI)

EMI: ₹ 7,775

Monthly Savings

₹ 754

SIP Investment

@ 12% for 25 years

₹ 1,430,280

Extra Interest Paid

₹ 285,582

Final Outcome

₹ 1,144,698

Profit from SIP strategy

Analysis

For ₹1,100,000 loan at 7%, investing savings can generate ₹1,430,280.

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