EMI vs SIP for ₹1,300,000
6 Years @ 7%
Original Plan
6 Years @ 7%
EMI: ₹ 22,164
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 14,149
Monthly Savings
₹ 8,014
SIP Investment
@ 12% for 11 years
₹ 2,200,867
Extra Interest Paid
₹ 271,925
Final Outcome
₹ 1,928,942
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,200,867.
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