EMI vs SIP for ₹1,300,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 9,860
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 9,059
Monthly Savings
₹ 801
SIP Investment
@ 12% for 26 years
₹ 1,723,565
Extra Interest Paid
₹ 341,620
Final Outcome
₹ 1,381,946
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,723,565.
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