EMI vs SIP for ₹1,300,000
29 Years @ 7%
Original Plan
29 Years @ 7%
EMI: ₹ 8,738
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 8,363
Monthly Savings
₹ 375
SIP Investment
@ 12% for 34 years
₹ 2,157,416
Extra Interest Paid
₹ 371,255
Final Outcome
₹ 1,786,162
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,157,416.
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