EMI vs SIP for ₹1,300,000

9 Years @ 11%

Original Plan

9 Years @ 11%

EMI: ₹ 19,014

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 15,198

Monthly Savings

₹ 3,816

SIP Investment

@ 12% for 14 years

₹ 1,665,334

Extra Interest Paid

₹ 499,744

Final Outcome

₹ 1,165,590

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 11%, investing savings can generate ₹1,665,334.

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