EMI vs SIP for ₹1,300,000
5 Years @ 9%
Original Plan
5 Years @ 9%
EMI: ₹ 26,986
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 16,468
Monthly Savings
₹ 10,518
SIP Investment
@ 12% for 10 years
₹ 2,443,745
Extra Interest Paid
₹ 356,990
Final Outcome
₹ 2,086,755
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹2,443,745.
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