EMI vs SIP for ₹1,300,000
8 Years @ 7%
Original Plan
8 Years @ 7%
EMI: ₹ 17,724
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 12,715
Monthly Savings
₹ 5,009
SIP Investment
@ 12% for 13 years
₹ 1,882,990
Extra Interest Paid
₹ 282,046
Final Outcome
₹ 1,600,943
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,882,990.
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