EMI vs SIP for ₹1,300,000
6 Years @ 9%
Original Plan
6 Years @ 9%
EMI: ₹ 23,433
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 15,549
Monthly Savings
₹ 7,884
SIP Investment
@ 12% for 11 years
₹ 2,165,105
Extra Interest Paid
₹ 365,284
Final Outcome
₹ 1,799,822
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹2,165,105.
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