EMI vs SIP for ₹1,300,000

21 Years @ 9%

Original Plan

21 Years @ 9%

EMI: ₹ 11,500

Extended Plan

26 Years (Reduced EMI)

EMI: ₹ 10,799

Monthly Savings

₹ 700

SIP Investment

@ 12% for 26 years

₹ 1,506,100

Extra Interest Paid

₹ 471,527

Final Outcome

₹ 1,034,573

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 9%, investing savings can generate ₹1,506,100.

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