EMI vs SIP for ₹1,300,000
9 Years @ 8%
Original Plan
9 Years @ 8%
EMI: ₹ 16,924
Extended Plan
14 Years (Reduced EMI)
EMI: ₹ 12,887
Monthly Savings
₹ 4,037
SIP Investment
@ 12% for 14 years
₹ 1,761,903
Extra Interest Paid
₹ 337,211
Final Outcome
₹ 1,424,692
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,761,903.
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