EMI vs SIP for ₹1,300,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 12,715
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 10,602
Monthly Savings
₹ 2,113
SIP Investment
@ 12% for 18 years
₹ 1,617,707
Extra Interest Paid
₹ 306,396
Final Outcome
₹ 1,311,311
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,617,707.
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