EMI vs SIP for ₹1,300,000
17 Years @ 11%
Original Plan
17 Years @ 11%
EMI: ₹ 14,110
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 13,094
Monthly Savings
₹ 1,016
SIP Investment
@ 12% for 22 years
₹ 1,316,687
Extra Interest Paid
₹ 578,361
Final Outcome
₹ 738,325
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,316,687.
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