EMI vs SIP for ₹1,300,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 14,314
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 13,692
Monthly Savings
₹ 622
SIP Investment
@ 12% for 25 years
₹ 1,180,720
Extra Interest Paid
₹ 672,185
Final Outcome
₹ 508,534
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,180,720.
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