EMI vs SIP for ₹1,300,000
17 Years @ 12%
Original Plan
17 Years @ 12%
EMI: ₹ 14,966
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 14,013
Monthly Savings
₹ 953
SIP Investment
@ 12% for 22 years
₹ 1,234,475
Extra Interest Paid
₹ 646,461
Final Outcome
₹ 588,014
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,234,475.
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