EMI vs SIP for ₹1,000,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 11,320
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 10,686
Monthly Savings
₹ 634
SIP Investment
@ 12% for 23 years
₹ 933,705
Extra Interest Paid
₹ 504,226
Final Outcome
₹ 429,478
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹933,705.
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