EMI vs SIP for ₹1,300,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 9,914
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 9,466
Monthly Savings
₹ 448
SIP Investment
@ 12% for 31 years
₹ 1,787,106
Extra Interest Paid
₹ 428,226
Final Outcome
₹ 1,358,880
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,787,106.
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