EMI vs SIP for ₹1,000,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 16,253
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 12,687
Monthly Savings
₹ 3,566
SIP Investment
@ 12% for 13 years
₹ 1,340,638
Extra Interest Paid
₹ 418,847
Final Outcome
₹ 921,791
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,340,638.
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