EMI vs SIP for ₹1,300,000
13 Years @ 9%
Original Plan
13 Years @ 9%
EMI: ₹ 14,166
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 12,174
Monthly Savings
₹ 1,992
SIP Investment
@ 12% for 18 years
₹ 1,524,804
Extra Interest Paid
₹ 419,665
Final Outcome
₹ 1,105,139
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,524,804.
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