EMI vs SIP for ₹1,300,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 12,174
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 11,170
Monthly Savings
₹ 1,003
SIP Investment
@ 12% for 23 years
₹ 1,477,914
Extra Interest Paid
₹ 453,517
Final Outcome
₹ 1,024,397
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,477,914.
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