EMI vs SIP for ₹1,300,000
22 Years @ 10%
Original Plan
22 Years @ 10%
EMI: ₹ 12,197
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 11,623
Monthly Savings
₹ 574
SIP Investment
@ 12% for 27 years
₹ 1,398,512
Extra Interest Paid
₹ 545,879
Final Outcome
₹ 852,633
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,398,512.
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