EMI vs SIP for ₹1,300,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 25,415
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 17,781
Monthly Savings
₹ 7,634
SIP Investment
@ 12% for 11 years
₹ 2,096,412
Extra Interest Paid
₹ 517,226
Final Outcome
₹ 1,579,186
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹2,096,412.
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