EMI vs SIP for ₹1,300,000
14 Years @ 10%
Original Plan
14 Years @ 10%
EMI: ₹ 14,407
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 12,756
Monthly Savings
₹ 1,650
SIP Investment
@ 12% for 19 years
₹ 1,444,522
Extra Interest Paid
₹ 488,137
Final Outcome
₹ 956,386
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,444,522.
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