EMI vs SIP for ₹1,300,000
13 Years @ 10%
Original Plan
13 Years @ 10%
EMI: ₹ 14,922
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 12,998
Monthly Savings
₹ 1,924
SIP Investment
@ 12% for 18 years
₹ 1,472,749
Extra Interest Paid
₹ 479,725
Final Outcome
₹ 993,024
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,472,749.
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