EMI vs SIP for ₹1,300,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 16,493
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 14,715
Monthly Savings
₹ 1,777
SIP Investment
@ 12% for 18 years
₹ 1,360,420
Extra Interest Paid
₹ 605,662
Final Outcome
₹ 754,758
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,360,420.
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