EMI vs SIP for ₹1,300,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 11,696
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 10,910
Monthly Savings
₹ 787
SIP Investment
@ 12% for 25 years
₹ 1,493,220
Extra Interest Paid
₹ 465,721
Final Outcome
₹ 1,027,499
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,493,220.
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