EMI vs SIP for ₹1,000,000
14 Years @ 7%
Original Plan
14 Years @ 7%
EMI: ₹ 9,354
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 7,942
Monthly Savings
₹ 1,412
SIP Investment
@ 12% for 19 years
₹ 1,236,031
Extra Interest Paid
₹ 239,286
Final Outcome
₹ 996,745
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,236,031.
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