EMI vs SIP for ₹1,300,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 12,423
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 10,874
Monthly Savings
₹ 1,550
SIP Investment
@ 12% for 20 years
₹ 1,548,436
Extra Interest Paid
₹ 373,467
Final Outcome
₹ 1,174,969
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,548,436.
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