EMI vs SIP for ₹1,300,000
30 Years @ 10%
Original Plan
30 Years @ 10%
EMI: ₹ 11,408
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 11,176
Monthly Savings
₹ 233
SIP Investment
@ 12% for 35 years
₹ 1,511,377
Extra Interest Paid
₹ 586,776
Final Outcome
₹ 924,600
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,511,377.
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