EMI vs SIP for ₹1,000,000
30 Years @ 11%
Original Plan
30 Years @ 11%
EMI: ₹ 9,523
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 9,370
Monthly Savings
₹ 154
SIP Investment
@ 12% for 35 years
₹ 998,046
Extra Interest Paid
₹ 506,858
Final Outcome
₹ 491,188
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 11%, investing savings can generate ₹998,046.
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