EMI vs SIP for ₹1,300,000
25 Years @ 10%
Original Plan
25 Years @ 10%
EMI: ₹ 11,813
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 11,408
Monthly Savings
₹ 405
SIP Investment
@ 12% for 30 years
₹ 1,428,483
Extra Interest Paid
₹ 563,102
Final Outcome
₹ 865,381
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,428,483.
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