EMI vs SIP for ₹1,300,000
27 Years @ 7%
Original Plan
27 Years @ 7%
EMI: ₹ 8,942
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 8,493
Monthly Savings
₹ 448
SIP Investment
@ 12% for 32 years
₹ 2,020,880
Extra Interest Paid
₹ 364,403
Final Outcome
₹ 1,656,477
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 7%, investing savings can generate ₹2,020,880.
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