EMI vs SIP for ₹1,300,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 8,649
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 8,305
Monthly Savings
₹ 344
SIP Investment
@ 12% for 35 years
₹ 2,233,072
Extra Interest Paid
₹ 374,540
Final Outcome
₹ 1,858,532
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,233,072.
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