EMI vs SIP for ₹1,300,000
17 Years @ 10%
Original Plan
17 Years @ 10%
EMI: ₹ 13,276
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 12,197
Monthly Savings
₹ 1,079
SIP Investment
@ 12% for 22 years
₹ 1,397,673
Extra Interest Paid
₹ 511,810
Final Outcome
₹ 885,863
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,397,673.
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