EMI vs SIP for ₹1,300,000
21 Years @ 11%
Original Plan
21 Years @ 11%
EMI: ₹ 13,245
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 12,651
Monthly Savings
₹ 595
SIP Investment
@ 12% for 26 years
₹ 1,279,196
Extra Interest Paid
₹ 609,183
Final Outcome
₹ 670,013
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,279,196.
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