EMI vs SIP for ₹1,300,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 15,773
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 12,423
Monthly Savings
₹ 3,349
SIP Investment
@ 12% for 15 years
₹ 1,689,881
Extra Interest Paid
₹ 343,515
Final Outcome
₹ 1,346,365
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,689,881.
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