EMI vs SIP for ₹1,000,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 11,154
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 10,604
Monthly Savings
₹ 550
SIP Investment
@ 12% for 24 years
₹ 920,041
Extra Interest Paid
₹ 510,821
Final Outcome
₹ 409,221
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹920,041.
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