EMI vs SIP for ₹1,300,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 21,129
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 16,493
Monthly Savings
₹ 4,636
SIP Investment
@ 12% for 13 years
₹ 1,742,829
Extra Interest Paid
₹ 544,500
Final Outcome
₹ 1,198,329
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,742,829.
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