EMI vs SIP for ₹1,300,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 12,024
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 10,666
Monthly Savings
₹ 1,358
SIP Investment
@ 12% for 21 years
₹ 1,546,846
Extra Interest Paid
₹ 379,109
Final Outcome
₹ 1,167,736
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,546,846.
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