EMI vs SIP for ₹1,300,000
26 Years @ 10%
Original Plan
26 Years @ 10%
EMI: ₹ 11,713
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 11,351
Monthly Savings
₹ 361
SIP Investment
@ 12% for 31 years
₹ 1,442,087
Extra Interest Paid
₹ 568,325
Final Outcome
₹ 873,761
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,442,087.
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