EMI vs SIP for ₹1,300,000
10 Years @ 11%
Original Plan
10 Years @ 11%
EMI: ₹ 17,908
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 14,776
Monthly Savings
₹ 3,132
SIP Investment
@ 12% for 15 years
₹ 1,580,202
Extra Interest Paid
₹ 510,737
Final Outcome
₹ 1,069,465
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,580,202.
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