EMI vs SIP for ₹1,000,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 13,634
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 9,781
Monthly Savings
₹ 3,853
SIP Investment
@ 12% for 13 years
₹ 1,448,454
Extra Interest Paid
₹ 216,959
Final Outcome
₹ 1,231,495
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 7%, investing savings can generate ₹1,448,454.
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