EMI vs SIP for ₹1,300,000
27 Years @ 9%
Original Plan
27 Years @ 9%
EMI: ₹ 10,701
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 10,337
Monthly Savings
₹ 364
SIP Investment
@ 12% for 32 years
₹ 1,641,942
Extra Interest Paid
₹ 502,214
Final Outcome
₹ 1,139,728
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,641,942.
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