EMI vs SIP for ₹1,300,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 12,545
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 11,813
Monthly Savings
₹ 732
SIP Investment
@ 12% for 25 years
₹ 1,389,395
Extra Interest Paid
₹ 533,065
Final Outcome
₹ 856,329
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,389,395.
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