EMI vs SIP for ₹1,300,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 13,539
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 13,291
Monthly Savings
₹ 248
SIP Investment
@ 12% for 32 years
₹ 1,116,769
Extra Interest Paid
₹ 717,229
Final Outcome
₹ 399,540
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,116,769.
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