EMI vs SIP for ₹1,300,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 13,372
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 13,202
Monthly Savings
₹ 170
SIP Investment
@ 12% for 35 years
₹ 1,103,005
Extra Interest Paid
₹ 730,995
Final Outcome
₹ 372,010
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,103,005.
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