EMI vs SIP for ₹1,300,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 13,891
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 13,476
Monthly Savings
₹ 415
SIP Investment
@ 12% for 28 years
₹ 1,145,846
Extra Interest Paid
₹ 693,915
Final Outcome
₹ 451,932
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,145,846.
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