EMI vs SIP for ₹1,300,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 18,378
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 13,430
Monthly Savings
₹ 4,948
SIP Investment
@ 12% for 13 years
₹ 1,860,003
Extra Interest Paid
₹ 330,816
Final Outcome
₹ 1,529,187
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,860,003.
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