EMI vs SIP for ₹1,300,000
11 Years @ 10%
Original Plan
11 Years @ 10%
EMI: ₹ 16,276
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 13,597
Monthly Savings
₹ 2,679
SIP Investment
@ 12% for 16 years
₹ 1,557,579
Extra Interest Paid
₹ 462,160
Final Outcome
₹ 1,095,419
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,557,579.
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