EMI vs SIP for ₹1,300,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 11,677
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 10,480
Monthly Savings
₹ 1,197
SIP Investment
@ 12% for 22 years
₹ 1,551,221
Extra Interest Paid
₹ 384,625
Final Outcome
₹ 1,166,596
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,551,221.
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