EMI vs SIP for ₹1,300,000
27 Years @ 10%
Original Plan
27 Years @ 10%
EMI: ₹ 11,623
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 11,300
Monthly Savings
₹ 323
SIP Investment
@ 12% for 32 years
₹ 1,457,274
Extra Interest Paid
₹ 573,299
Final Outcome
₹ 883,976
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,457,274.
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