EMI vs SIP for ₹1,300,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 14,013
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 13,539
Monthly Savings
₹ 474
SIP Investment
@ 12% for 27 years
₹ 1,155,898
Extra Interest Paid
₹ 687,098
Final Outcome
₹ 468,800
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,155,898.
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