EMI vs SIP for ₹1,300,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 13,610
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 13,329
Monthly Savings
₹ 281
SIP Investment
@ 12% for 31 years
₹ 1,122,671
Extra Interest Paid
₹ 711,963
Final Outcome
₹ 410,708
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,122,671.
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