EMI vs SIP for ₹1,300,000
19 Years @ 8%
Original Plan
19 Years @ 8%
EMI: ₹ 11,109
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 10,167
Monthly Savings
₹ 942
SIP Investment
@ 12% for 24 years
₹ 1,575,361
Extra Interest Paid
₹ 395,269
Final Outcome
₹ 1,180,092
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,575,361.
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