EMI vs SIP for ₹1,300,000
8 Years @ 11%
Original Plan
8 Years @ 11%
EMI: ₹ 20,421
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 15,698
Monthly Savings
₹ 4,723
SIP Investment
@ 12% for 13 years
₹ 1,775,560
Extra Interest Paid
₹ 488,454
Final Outcome
₹ 1,287,106
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 11%, investing savings can generate ₹1,775,560.
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