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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