EMI vs SIP for ₹1,300,000
15 Years @ 11%
Original Plan
15 Years @ 11%
EMI: ₹ 14,776
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 13,418
Monthly Savings
₹ 1,357
SIP Investment
@ 12% for 20 years
₹ 1,356,155
Extra Interest Paid
₹ 560,791
Final Outcome
₹ 795,364
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,356,155.
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