EMI vs SIP for ₹1,300,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 16,258

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 12,160

Monthly Savings

₹ 4,098

SIP Investment

@ 12% for 14 years

₹ 1,788,420

Extra Interest Paid

₹ 287,034

Final Outcome

₹ 1,501,386

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 7%, investing savings can generate ₹1,788,420.

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₹30L Loan for 29 years at 12% vs SIP ₹81L Loan for 7 years at 10% vs SIP ₹51L Loan for 16 years at 12% vs SIP ₹28L Loan for 21 years at 8% vs SIP ₹98L Loan for 21 years at 11% vs SIP ₹16L Loan for 17 years at 9% vs SIP
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