EMI vs SIP for ₹1,300,000
16 Years @ 9%
Original Plan
16 Years @ 9%
EMI: ₹ 12,799
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 11,500
Monthly Savings
₹ 1,299
SIP Investment
@ 12% for 21 years
₹ 1,479,312
Extra Interest Paid
₹ 440,536
Final Outcome
₹ 1,038,776
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,479,312.
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