EMI vs SIP for ₹1,300,000
5 Years @ 11%
Original Plan
5 Years @ 11%
EMI: ₹ 28,265
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 17,908
Monthly Savings
₹ 10,358
SIP Investment
@ 12% for 10 years
₹ 2,406,486
Extra Interest Paid
₹ 452,991
Final Outcome
₹ 1,953,495
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹2,406,486.
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