EMI vs SIP for ₹1,300,000
5 Years @ 10%
Original Plan
5 Years @ 10%
EMI: ₹ 27,621
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 17,180
Monthly Savings
₹ 10,442
SIP Investment
@ 12% for 10 years
₹ 2,425,983
Extra Interest Paid
₹ 404,282
Final Outcome
₹ 2,021,701
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹2,425,983.
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