EMI vs SIP for ₹1,300,000
29 Years @ 9%
Original Plan
29 Years @ 9%
EMI: ₹ 10,532
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 10,235
Monthly Savings
₹ 297
SIP Investment
@ 12% for 34 years
₹ 1,706,423
Extra Interest Paid
₹ 510,901
Final Outcome
₹ 1,195,522
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,706,423.
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