EMI vs SIP for ₹1,300,000
19 Years @ 11%
Original Plan
19 Years @ 11%
EMI: ₹ 13,617
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 12,844
Monthly Savings
₹ 773
SIP Investment
@ 12% for 24 years
₹ 1,292,461
Extra Interest Paid
₹ 594,489
Final Outcome
₹ 697,972
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,292,461.
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