EMI vs SIP for ₹1,300,000
29 Years @ 11%
Original Plan
29 Years @ 11%
EMI: ₹ 12,436
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 12,212
Monthly Savings
₹ 224
SIP Investment
@ 12% for 34 years
₹ 1,291,243
Extra Interest Paid
₹ 654,594
Final Outcome
₹ 636,649
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,291,243.
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