EMI vs SIP for ₹1,300,000
17 Years @ 7%
Original Plan
17 Years @ 7%
EMI: ₹ 10,916
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 9,665
Monthly Savings
₹ 1,251
SIP Investment
@ 12% for 22 years
₹ 1,621,263
Extra Interest Paid
₹ 324,651
Final Outcome
₹ 1,296,612
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,621,263.
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