EMI vs SIP for ₹1,300,000
9 Years @ 10%
Original Plan
9 Years @ 10%
EMI: ₹ 18,302
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 14,407
Monthly Savings
₹ 3,896
SIP Investment
@ 12% for 14 years
₹ 1,700,135
Extra Interest Paid
₹ 443,667
Final Outcome
₹ 1,256,468
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,700,135.
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