EMI vs SIP for ₹1,300,000
14 Years @ 8%
Original Plan
14 Years @ 8%
EMI: ₹ 12,887
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 11,109
Monthly Savings
₹ 1,779
SIP Investment
@ 12% for 19 years
₹ 1,556,870
Extra Interest Paid
₹ 367,703
Final Outcome
₹ 1,189,167
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,556,870.
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