EMI vs SIP for ₹1,300,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 15,258
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 14,153
Monthly Savings
₹ 1,105
SIP Investment
@ 12% for 21 years
₹ 1,258,612
Extra Interest Paid
₹ 636,962
Final Outcome
₹ 621,650
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,258,612.
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