EMI vs SIP for ₹1,000,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 17,653
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 13,134
Monthly Savings
₹ 4,519
SIP Investment
@ 12% for 12 years
₹ 1,456,110
Extra Interest Paid
₹ 408,494
Final Outcome
₹ 1,047,616
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,456,110.
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