EMI vs SIP for ₹1,300,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 14,715
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 13,891
Monthly Savings
₹ 824
SIP Investment
@ 12% for 23 years
₹ 1,213,816
Extra Interest Paid
₹ 655,494
Final Outcome
₹ 558,322
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,213,816.
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