EMI vs SIP for ₹1,000,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 11,737
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 10,887
Monthly Savings
₹ 850
SIP Investment
@ 12% for 21 years
₹ 968,163
Extra Interest Paid
₹ 489,971
Final Outcome
₹ 478,192
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹968,163.
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