EMI vs SIP for ₹1,300,000
9 Years @ 9%
Original Plan
9 Years @ 9%
EMI: ₹ 17,606
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 13,636
Monthly Savings
₹ 3,970
SIP Investment
@ 12% for 14 years
₹ 1,732,402
Extra Interest Paid
₹ 389,455
Final Outcome
₹ 1,342,947
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,732,402.
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