EMI vs SIP for ₹1,300,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 13,597
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 12,360
Monthly Savings
₹ 1,237
SIP Investment
@ 12% for 21 years
₹ 1,408,067
Extra Interest Paid
₹ 504,184
Final Outcome
₹ 903,883
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,408,067.
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