EMI vs SIP for ₹1,000,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 8,155
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 7,299
Monthly Savings
₹ 856
SIP Investment
@ 12% for 23 years
₹ 1,260,686
Extra Interest Paid
₹ 253,092
Final Outcome
₹ 1,007,594
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,260,686.
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