EMI vs SIP for ₹1,000,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 11,415
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 9,249
Monthly Savings
₹ 2,166
SIP Investment
@ 12% for 16 years
₹ 1,259,379
Extra Interest Paid
₹ 269,017
Final Outcome
₹ 990,362
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,259,379.
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