EMI vs SIP for ₹1,300,000
6 Years @ 11%
Original Plan
6 Years @ 11%
EMI: ₹ 24,744
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 17,020
Monthly Savings
₹ 7,724
SIP Investment
@ 12% for 11 years
₹ 2,121,193
Extra Interest Paid
₹ 465,057
Final Outcome
₹ 1,656,136
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹2,121,193.
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