EMI vs SIP for ₹1,000,000
25 Years @ 9%
Original Plan
25 Years @ 9%
EMI: ₹ 8,392
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 8,046
Monthly Savings
₹ 346
SIP Investment
@ 12% for 30 years
₹ 1,220,423
Extra Interest Paid
₹ 379,052
Final Outcome
₹ 841,371
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,220,423.
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