EMI vs SIP for ₹1,300,000

10 Years @ 10%

Original Plan

10 Years @ 10%

EMI: ₹ 17,180

Extended Plan

15 Years (Reduced EMI)

EMI: ₹ 13,970

Monthly Savings

₹ 3,210

SIP Investment

@ 12% for 15 years

₹ 1,619,552

Extra Interest Paid

₹ 453,024

Final Outcome

₹ 1,166,528

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 10%, investing savings can generate ₹1,619,552.

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