EMI vs SIP for ₹1,000,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 15,586
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 10,825
Monthly Savings
₹ 4,762
SIP Investment
@ 12% for 12 years
₹ 1,534,464
Extra Interest Paid
₹ 249,490
Final Outcome
₹ 1,284,975
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 8%, investing savings can generate ₹1,534,464.
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