EMI vs SIP for ₹1,000,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 11,011
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 10,532
Monthly Savings
₹ 479
SIP Investment
@ 12% for 25 years
₹ 908,246
Extra Interest Paid
₹ 517,066
Final Outcome
₹ 391,180
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹908,246.
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