EMI vs SIP for ₹1,300,000
7 Years @ 11%
Original Plan
7 Years @ 11%
EMI: ₹ 22,259
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 16,296
Monthly Savings
₹ 5,963
SIP Investment
@ 12% for 12 years
₹ 1,921,573
Extra Interest Paid
₹ 476,885
Final Outcome
₹ 1,444,688
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,921,573.
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