EMI vs SIP for ₹1,000,000
12 Years @ 7%
Original Plan
12 Years @ 7%
EMI: ₹ 10,284
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 8,397
Monthly Savings
₹ 1,887
SIP Investment
@ 12% for 17 years
₹ 1,260,503
Extra Interest Paid
₹ 232,039
Final Outcome
₹ 1,028,464
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,260,503.
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