EMI vs SIP for ₹1,300,000
24 Years @ 9%
Original Plan
24 Years @ 9%
EMI: ₹ 11,033
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 10,532
Monthly Savings
₹ 501
SIP Investment
@ 12% for 29 years
₹ 1,562,460
Extra Interest Paid
₹ 487,754
Final Outcome
₹ 1,074,706
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,562,460.
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