EMI vs SIP for ₹1,300,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 11,685
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 10,079
Monthly Savings
₹ 1,606
SIP Investment
@ 12% for 20 years
₹ 1,604,513
Extra Interest Paid
₹ 315,675
Final Outcome
₹ 1,288,838
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,604,513.
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