EMI vs SIP for ₹1,300,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 10,480
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 9,806
Monthly Savings
₹ 675
SIP Investment
@ 12% for 27 years
₹ 1,644,004
Extra Interest Paid
₹ 410,224
Final Outcome
₹ 1,233,780
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,644,004.
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