EMI vs SIP for ₹1,300,000
12 Years @ 11%
Original Plan
12 Years @ 11%
EMI: ₹ 16,296
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 14,110
Monthly Savings
₹ 2,186
SIP Investment
@ 12% for 17 years
₹ 1,460,255
Extra Interest Paid
₹ 531,774
Final Outcome
₹ 928,481
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,460,255.
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