EMI vs SIP for ₹1,300,000
5 Years @ 7%
Original Plan
5 Years @ 7%
EMI: ₹ 25,742
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 15,094
Monthly Savings
₹ 10,647
SIP Investment
@ 12% for 10 years
₹ 2,473,820
Extra Interest Paid
₹ 266,799
Final Outcome
₹ 2,207,021
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,473,820.
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