EMI vs SIP for ₹1,300,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 10,602
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 9,489
Monthly Savings
₹ 1,113
SIP Investment
@ 12% for 23 years
₹ 1,638,892
Extra Interest Paid
₹ 329,020
Final Outcome
₹ 1,309,872
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,638,892.
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