EMI vs SIP for ₹1,300,000
14 Years @ 7%
Original Plan
14 Years @ 7%
EMI: ₹ 12,160
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 10,325
Monthly Savings
₹ 1,836
SIP Investment
@ 12% for 19 years
₹ 1,606,840
Extra Interest Paid
₹ 311,071
Final Outcome
₹ 1,295,769
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,606,840.
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