EMI vs SIP for ₹1,300,000
12 Years @ 9%
Original Plan
12 Years @ 9%
EMI: ₹ 14,794
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 12,464
Monthly Savings
₹ 2,330
SIP Investment
@ 12% for 17 years
₹ 1,556,221
Extra Interest Paid
₹ 412,354
Final Outcome
₹ 1,143,867
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,556,221.
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