EMI vs SIP for ₹1,300,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 22,949
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 17,074
Monthly Savings
₹ 5,874
SIP Investment
@ 12% for 12 years
₹ 1,892,943
Extra Interest Paid
₹ 531,042
Final Outcome
₹ 1,361,901
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,892,943.
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