EMI vs SIP for ₹1,300,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 10,666
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 9,914
Monthly Savings
₹ 752
SIP Investment
@ 12% for 26 years
₹ 1,617,180
Extra Interest Paid
₹ 405,376
Final Outcome
₹ 1,211,804
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,617,180.
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