EMI vs SIP for ₹1,000,000
23 Years @ 11%
Original Plan
23 Years @ 11%
EMI: ₹ 9,970
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 9,615
Monthly Savings
₹ 355
SIP Investment
@ 12% for 28 years
₹ 980,071
Extra Interest Paid
₹ 478,831
Final Outcome
₹ 501,241
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 11%, investing savings can generate ₹980,071.
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