EMI vs SIP for ₹1,300,000
9 Years @ 12%
Original Plan
9 Years @ 12%
EMI: ₹ 19,740
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 16,009
Monthly Savings
₹ 3,731
SIP Investment
@ 12% for 14 years
₹ 1,628,240
Extra Interest Paid
₹ 557,576
Final Outcome
₹ 1,070,664
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,628,240.
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