EMI vs SIP for ₹1,300,000
18 Years @ 11%
Original Plan
18 Years @ 11%
EMI: ₹ 13,846
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 12,961
Monthly Savings
₹ 885
SIP Investment
@ 12% for 23 years
₹ 1,302,980
Extra Interest Paid
₹ 586,605
Final Outcome
₹ 716,375
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,302,980.
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