EMI vs SIP for ₹1,300,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 10,315
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 9,708
Monthly Savings
₹ 607
SIP Investment
@ 12% for 28 years
₹ 1,674,520
Extra Interest Paid
₹ 414,934
Final Outcome
₹ 1,259,586
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,674,520.
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