EMI vs SIP for ₹1,300,000
12 Years @ 7%
Original Plan
12 Years @ 7%
EMI: ₹ 13,369
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 10,916
Monthly Savings
₹ 2,453
SIP Investment
@ 12% for 17 years
₹ 1,638,654
Extra Interest Paid
₹ 301,651
Final Outcome
₹ 1,337,003
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,638,654.
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