EMI vs SIP for ₹1,000,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 9,781
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 8,155
Monthly Savings
₹ 1,626
SIP Investment
@ 12% for 18 years
₹ 1,244,390
Extra Interest Paid
₹ 235,689
Final Outcome
₹ 1,008,701
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,244,390.
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