EMI vs SIP for ₹1,300,000
27 Years @ 11%
Original Plan
27 Years @ 11%
EMI: ₹ 12,570
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 12,286
Monthly Savings
₹ 284
SIP Investment
@ 12% for 32 years
₹ 1,281,281
Extra Interest Paid
₹ 645,111
Final Outcome
₹ 636,170
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,281,281.
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