EMI vs SIP for ₹1,300,000
8 Years @ 10%
Original Plan
8 Years @ 10%
EMI: ₹ 19,726
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 14,922
Monthly Savings
₹ 4,804
SIP Investment
@ 12% for 13 years
₹ 1,806,119
Extra Interest Paid
₹ 434,100
Final Outcome
₹ 1,372,019
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,806,119.
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