EMI vs SIP for ₹1,300,000
11 Years @ 7%
Original Plan
11 Years @ 7%
EMI: ₹ 14,149
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 11,274
Monthly Savings
₹ 2,876
SIP Investment
@ 12% for 16 years
₹ 1,671,827
Extra Interest Paid
₹ 296,839
Final Outcome
₹ 1,374,987
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,671,827.
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