EMI vs SIP for ₹1,300,000
10 Years @ 9%
Original Plan
10 Years @ 9%
EMI: ₹ 16,468
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 13,185
Monthly Savings
₹ 3,282
SIP Investment
@ 12% for 15 years
₹ 1,656,213
Extra Interest Paid
₹ 397,242
Final Outcome
₹ 1,258,971
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,656,213.
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