EMI vs SIP for ₹1,300,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 10,874
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 10,034
Monthly Savings
₹ 840
SIP Investment
@ 12% for 25 years
₹ 1,594,222
Extra Interest Paid
₹ 400,390
Final Outcome
₹ 1,193,832
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,594,222.
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