EMI vs SIP for ₹1,300,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 9,059
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 8,568
Monthly Savings
₹ 491
SIP Investment
@ 12% for 31 years
₹ 1,959,770
Extra Interest Paid
₹ 360,836
Final Outcome
₹ 1,598,934
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,959,770.
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