EMI vs SIP for ₹1,300,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 20,262
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 14,072
Monthly Savings
₹ 6,190
SIP Investment
@ 12% for 12 years
₹ 1,994,804
Extra Interest Paid
₹ 324,337
Final Outcome
₹ 1,670,467
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,994,804.
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