EMI vs SIP for ₹1,300,000
14 Years @ 11%
Original Plan
14 Years @ 11%
EMI: ₹ 15,198
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 13,617
Monthly Savings
₹ 1,581
SIP Investment
@ 12% for 19 years
₹ 1,383,604
Extra Interest Paid
₹ 551,469
Final Outcome
₹ 832,136
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,383,604.
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