EMI vs SIP for ₹1,300,000
11 Years @ 9%
Original Plan
11 Years @ 9%
EMI: ₹ 15,549
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 12,799
Monthly Savings
₹ 2,750
SIP Investment
@ 12% for 16 years
₹ 1,598,987
Extra Interest Paid
₹ 404,878
Final Outcome
₹ 1,194,110
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,598,987.
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