EMI vs SIP for ₹1,300,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 15,602
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 14,314
Monthly Savings
₹ 1,288
SIP Investment
@ 12% for 20 years
₹ 1,286,968
Extra Interest Paid
₹ 626,995
Final Outcome
₹ 659,972
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,286,968.
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