EMI vs SIP for ₹1,300,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 9,489
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 8,835
Monthly Savings
₹ 654
SIP Investment
@ 12% for 28 years
₹ 1,804,219
Extra Interest Paid
₹ 349,580
Final Outcome
₹ 1,454,639
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹1,804,219.
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