EMI vs SIP for ₹1,000,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 10,686
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 10,366
Monthly Savings
₹ 320
SIP Investment
@ 12% for 28 years
₹ 881,420
Extra Interest Paid
₹ 533,781
Final Outcome
₹ 347,640
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹881,420.
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