EMI vs SIP for ₹1,300,000
7 Years @ 10%
Original Plan
7 Years @ 10%
EMI: ₹ 21,582
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 15,536
Monthly Savings
₹ 6,046
SIP Investment
@ 12% for 12 years
₹ 1,948,183
Extra Interest Paid
₹ 424,337
Final Outcome
₹ 1,523,845
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,948,183.
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