EMI vs SIP for ₹1,300,000
12 Years @ 10%
Original Plan
12 Years @ 10%
EMI: ₹ 15,536
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 13,276
Monthly Savings
₹ 2,260
SIP Investment
@ 12% for 17 years
₹ 1,509,689
Extra Interest Paid
₹ 471,064
Final Outcome
₹ 1,038,625
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,509,689.
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