EMI vs SIP for ₹1,300,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 9,665
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 8,942
Monthly Savings
₹ 723
SIP Investment
@ 12% for 27 years
₹ 1,761,563
Extra Interest Paid
₹ 345,645
Final Outcome
₹ 1,415,918
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,761,563.
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