EMI vs SIP for ₹1,300,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 13,421
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 13,228
Monthly Savings
₹ 192
SIP Investment
@ 12% for 34 years
₹ 1,107,022
Extra Interest Paid
₹ 726,728
Final Outcome
₹ 380,293
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,107,022.
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