EMI vs SIP for ₹1,000,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 10,532
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 10,286
Monthly Savings
₹ 246
SIP Investment
@ 12% for 30 years
₹ 868,766
Extra Interest Paid
₹ 543,333
Final Outcome
₹ 325,433
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹868,766.
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