EMI vs SIP for ₹1,300,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 9,619
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 9,284
Monthly Savings
₹ 336
SIP Investment
@ 12% for 34 years
₹ 1,930,180
Extra Interest Paid
₹ 440,267
Final Outcome
₹ 1,489,913
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,930,180.
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