EMI vs SIP for ₹1,300,000
7 Years @ 7%
Original Plan
7 Years @ 7%
EMI: ₹ 19,620
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 13,369
Monthly Savings
₹ 6,252
SIP Investment
@ 12% for 12 years
₹ 2,014,569
Extra Interest Paid
₹ 277,009
Final Outcome
₹ 1,737,560
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,014,569.
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