EMI vs SIP for ₹1,300,000
11 Years @ 11%
Original Plan
11 Years @ 11%
EMI: ₹ 17,020
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 14,417
Monthly Savings
₹ 2,603
SIP Investment
@ 12% for 16 years
₹ 1,513,356
Extra Interest Paid
₹ 521,418
Final Outcome
₹ 991,938
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,513,356.
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