EMI vs SIP for ₹1,300,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 17,781
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 15,258
Monthly Savings
₹ 2,523
SIP Investment
@ 12% for 16 years
₹ 1,466,710
Extra Interest Paid
₹ 582,494
Final Outcome
₹ 884,216
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,466,710.
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