EMI vs SIP for ₹1,000,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 9,845
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 8,846
Monthly Savings
₹ 999
SIP Investment
@ 12% for 21 years
₹ 1,137,932
Extra Interest Paid
₹ 338,874
Final Outcome
₹ 799,058
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,137,932.
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