EMI vs SIP for ₹1,300,000
23 Years @ 11%
Original Plan
23 Years @ 11%
EMI: ₹ 12,961
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 12,499
Monthly Savings
₹ 462
SIP Investment
@ 12% for 28 years
₹ 1,274,093
Extra Interest Paid
₹ 622,480
Final Outcome
₹ 651,613
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,274,093.
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