EMI vs SIP for ₹1,000,000
26 Years @ 11%
Original Plan
26 Years @ 11%
EMI: ₹ 9,731
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 9,485
Monthly Savings
₹ 246
SIP Investment
@ 12% for 31 years
₹ 982,858
Extra Interest Paid
₹ 492,251
Final Outcome
₹ 490,607
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 11%, investing savings can generate ₹982,858.
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