EMI vs SIP for ₹1,300,000
16 Years @ 11%
Original Plan
16 Years @ 11%
EMI: ₹ 14,417
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 13,245
Monthly Savings
₹ 1,172
SIP Investment
@ 12% for 21 years
₹ 1,334,165
Extra Interest Paid
₹ 569,756
Final Outcome
₹ 764,409
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,334,165.
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