EMI vs SIP for ₹1,300,000
30 Years @ 11%
Original Plan
30 Years @ 11%
EMI: ₹ 12,380
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 12,180
Monthly Savings
₹ 200
SIP Investment
@ 12% for 35 years
₹ 1,297,460
Extra Interest Paid
₹ 658,915
Final Outcome
₹ 638,545
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,297,460.
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