EMI vs SIP for ₹1,300,000
26 Years @ 11%
Original Plan
26 Years @ 11%
EMI: ₹ 12,651
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 12,330
Monthly Savings
₹ 320
SIP Investment
@ 12% for 31 years
₹ 1,277,715
Extra Interest Paid
₹ 639,926
Final Outcome
₹ 637,789
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,277,715.
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