EMI vs SIP for ₹1,300,000
15 Years @ 9%
Original Plan
15 Years @ 9%
EMI: ₹ 13,185
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 11,696
Monthly Savings
₹ 1,489
SIP Investment
@ 12% for 20 years
₹ 1,487,759
Extra Interest Paid
₹ 433,761
Final Outcome
₹ 1,053,998
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,487,759.
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