EMI vs SIP for ₹1,300,000
28 Years @ 10%
Original Plan
28 Years @ 10%
EMI: ₹ 11,543
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 11,254
Monthly Savings
₹ 289
SIP Investment
@ 12% for 33 years
₹ 1,473,942
Extra Interest Paid
₹ 578,027
Final Outcome
₹ 895,915
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 10%, investing savings can generate ₹1,473,942.
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