EMI vs SIP for ₹1,300,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 18,651
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 15,602
Monthly Savings
₹ 3,049
SIP Investment
@ 12% for 15 years
₹ 1,538,472
Extra Interest Paid
₹ 570,246
Final Outcome
₹ 968,225
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,538,472.
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