EMI vs SIP for ₹1,300,000
19 Years @ 10%
Original Plan
19 Years @ 10%
EMI: ₹ 12,756
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 11,926
Monthly Savings
₹ 830
SIP Investment
@ 12% for 24 years
₹ 1,388,853
Extra Interest Paid
₹ 526,252
Final Outcome
₹ 862,601
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,388,853.
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