EMI vs SIP for ₹1,000,000
19 Years @ 8%
Original Plan
19 Years @ 8%
EMI: ₹ 8,545
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 7,821
Monthly Savings
₹ 724
SIP Investment
@ 12% for 24 years
₹ 1,211,816
Extra Interest Paid
₹ 304,053
Final Outcome
₹ 907,763
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,211,816.
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