EMI vs SIP for ₹1,300,000
6 Years @ 10%
Original Plan
6 Years @ 10%
EMI: ₹ 24,084
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 16,276
Monthly Savings
₹ 7,808
SIP Investment
@ 12% for 11 years
₹ 2,144,123
Extra Interest Paid
₹ 414,393
Final Outcome
₹ 1,729,731
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹2,144,123.
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