EMI vs SIP for ₹1,300,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 9,331
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 8,738
Monthly Savings
₹ 593
SIP Investment
@ 12% for 29 years
₹ 1,851,476
Extra Interest Paid
₹ 353,425
Final Outcome
₹ 1,498,051
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,851,476.
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