EMI vs SIP for ₹1,300,000
25 Years @ 7%
Original Plan
25 Years @ 7%
EMI: ₹ 9,188
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 8,649
Monthly Savings
₹ 539
SIP Investment
@ 12% for 30 years
₹ 1,903,319
Extra Interest Paid
₹ 357,177
Final Outcome
₹ 1,546,143
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,903,319.
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