EMI vs SIP for ₹1,300,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 14,072
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 11,677
Monthly Savings
₹ 2,395
SIP Investment
@ 12% for 17 years
₹ 1,599,366
Extra Interest Paid
₹ 355,826
Final Outcome
₹ 1,243,540
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,599,366.
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