EMI vs SIP for ₹1,300,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 10,079
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 9,188
Monthly Savings
₹ 891
SIP Investment
@ 12% for 25 years
₹ 1,690,331
Extra Interest Paid
₹ 337,506
Final Outcome
₹ 1,352,825
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,690,331.
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