EMI vs SIP for ₹1,300,000
28 Years @ 9%
Original Plan
28 Years @ 9%
EMI: ₹ 10,612
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 10,283
Monthly Savings
₹ 328
SIP Investment
@ 12% for 33 years
₹ 1,673,077
Extra Interest Paid
₹ 506,651
Final Outcome
₹ 1,166,426
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,673,077.
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