EMI vs SIP for ₹1,300,000
21 Years @ 10%
Original Plan
21 Years @ 10%
EMI: ₹ 12,360
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 11,713
Monthly Savings
₹ 647
SIP Investment
@ 12% for 26 years
₹ 1,392,715
Extra Interest Paid
₹ 539,607
Final Outcome
₹ 853,108
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,392,715.
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