EMI vs SIP for ₹1,300,000
25 Years @ 11%
Original Plan
25 Years @ 11%
EMI: ₹ 12,741
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 12,380
Monthly Savings
₹ 361
SIP Investment
@ 12% for 30 years
₹ 1,275,237
Extra Interest Paid
₹ 634,432
Final Outcome
₹ 640,805
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,275,237.
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