EMI vs SIP for ₹1,300,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 10,034
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 9,539
Monthly Savings
₹ 495
SIP Investment
@ 12% for 30 years
₹ 1,746,147
Extra Interest Paid
₹ 423,935
Final Outcome
₹ 1,322,212
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,746,147.
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