EMI vs SIP for ₹1,300,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 13,430
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 11,375
Monthly Savings
₹ 2,055
SIP Investment
@ 12% for 18 years
₹ 1,573,319
Extra Interest Paid
₹ 361,821
Final Outcome
₹ 1,211,498
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,573,319.
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