EMI vs SIP for ₹1,300,000
28 Years @ 11%
Original Plan
28 Years @ 11%
EMI: ₹ 12,499
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 12,247
Monthly Savings
₹ 252
SIP Investment
@ 12% for 33 years
₹ 1,285,822
Extra Interest Paid
₹ 649,996
Final Outcome
₹ 635,826
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,285,822.
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