EMI vs SIP for ₹1,300,000
6 Years @ 8%
Original Plan
6 Years @ 8%
EMI: ₹ 22,793
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 14,840
Monthly Savings
₹ 7,953
SIP Investment
@ 12% for 11 years
₹ 2,184,048
Extra Interest Paid
₹ 317,779
Final Outcome
₹ 1,866,268
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹2,184,048.
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