EMI vs SIP for ₹1,300,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 13,692
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 13,372
Monthly Savings
₹ 320
SIP Investment
@ 12% for 30 years
₹ 1,129,396
Extra Interest Paid
₹ 706,333
Final Outcome
₹ 423,063
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,129,396.
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