EMI vs SIP for ₹1,300,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 14,153
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 13,610
Monthly Savings
₹ 543
SIP Investment
@ 12% for 26 years
₹ 1,167,437
Extra Interest Paid
₹ 679,859
Final Outcome
₹ 487,578
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,167,437.
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