EMI vs SIP for ₹1,300,000
30 Years @ 9%
Original Plan
30 Years @ 9%
EMI: ₹ 10,460
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 10,192
Monthly Savings
₹ 268
SIP Investment
@ 12% for 35 years
₹ 1,741,936
Extra Interest Paid
₹ 514,968
Final Outcome
₹ 1,226,968
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,741,936.
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