EMI vs SIP for ₹1,300,000

27 Years @ 8%

Original Plan

27 Years @ 8%

EMI: ₹ 9,806

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 9,399

Monthly Savings

₹ 406

SIP Investment

@ 12% for 32 years

₹ 1,831,437

Extra Interest Paid

₹ 432,378

Final Outcome

₹ 1,399,059

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 8%, investing savings can generate ₹1,831,437.

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