EMI vs SIP for ₹1,300,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 11,274
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 9,860
Monthly Savings
₹ 1,414
SIP Investment
@ 12% for 21 years
₹ 1,609,598
Extra Interest Paid
₹ 320,202
Final Outcome
₹ 1,289,396
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,609,598.
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