EMI vs SIP for ₹1,300,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 17,074
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 14,966
Monthly Savings
₹ 2,109
SIP Investment
@ 12% for 17 years
₹ 1,408,409
Extra Interest Paid
₹ 594,303
Final Outcome
₹ 814,106
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,408,409.
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