EMI vs SIP for ₹1,300,000
10 Years @ 7%
Original Plan
10 Years @ 7%
EMI: ₹ 15,094
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 11,685
Monthly Savings
₹ 3,409
SIP Investment
@ 12% for 15 years
₹ 1,720,269
Extra Interest Paid
₹ 291,966
Final Outcome
₹ 1,428,303
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,720,269.
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