EMI vs SIP for ₹1,300,000
19 Years @ 9%
Original Plan
19 Years @ 9%
EMI: ₹ 11,920
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 11,033
Monthly Savings
₹ 887
SIP Investment
@ 12% for 24 years
₹ 1,483,710
Extra Interest Paid
₹ 459,717
Final Outcome
₹ 1,023,993
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,483,710.
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