EMI vs SIP for ₹1,300,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 10,167
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 9,619
Monthly Savings
₹ 547
SIP Investment
@ 12% for 29 years
₹ 1,708,598
Extra Interest Paid
₹ 419,504
Final Outcome
₹ 1,289,094
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,708,598.
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