EMI vs SIP for ₹1,300,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 12,998
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 12,053
Monthly Savings
₹ 945
SIP Investment
@ 12% for 23 years
₹ 1,391,459
Extra Interest Paid
₹ 519,167
Final Outcome
₹ 872,293
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,391,459.
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