EMI vs SIP for ₹1,300,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 28,918
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 18,651
Monthly Savings
₹ 10,267
SIP Investment
@ 12% for 10 years
₹ 2,385,323
Extra Interest Paid
₹ 503,080
Final Outcome
₹ 1,882,243
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹2,385,323.
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