EMI vs SIP for ₹1,000,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 7,178
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 6,721
Monthly Savings
₹ 456
SIP Investment
@ 12% for 29 years
₹ 1,424,212
Extra Interest Paid
₹ 271,865
Final Outcome
₹ 1,152,347
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,424,212.
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