EMI vs SIP for ₹1,300,000
11 Years @ 8%
Original Plan
11 Years @ 8%
EMI: ₹ 14,840
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 12,024
Monthly Savings
₹ 2,816
SIP Investment
@ 12% for 16 years
₹ 1,637,193
Extra Interest Paid
₹ 349,722
Final Outcome
₹ 1,287,471
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,637,193.
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