EMI vs SIP for ₹1,300,000
23 Years @ 10%
Original Plan
23 Years @ 10%
EMI: ₹ 12,053
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 11,543
Monthly Savings
₹ 510
SIP Investment
@ 12% for 28 years
₹ 1,406,537
Extra Interest Paid
₹ 551,883
Final Outcome
₹ 854,654
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,406,537.
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