EMI vs SIP for ₹1,300,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 13,785
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 13,421
Monthly Savings
₹ 364
SIP Investment
@ 12% for 29 years
₹ 1,137,072
Extra Interest Paid
₹ 700,322
Final Outcome
₹ 436,750
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,137,072.
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