EMI vs SIP for ₹1,300,000
15 Years @ 10%
Original Plan
15 Years @ 10%
EMI: ₹ 13,970
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 12,545
Monthly Savings
₹ 1,425
SIP Investment
@ 12% for 20 years
₹ 1,423,371
Extra Interest Paid
₹ 496,292
Final Outcome
₹ 927,080
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,423,371.
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