EMI vs SIP for ₹1,000,000
5 Years @ 9%
Original Plan
5 Years @ 9%
EMI: ₹ 20,758
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 12,668
Monthly Savings
₹ 8,091
SIP Investment
@ 12% for 10 years
₹ 1,879,804
Extra Interest Paid
₹ 274,608
Final Outcome
₹ 1,605,196
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 9%, investing savings can generate ₹1,879,804.
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