EMI vs SIP for ₹1,300,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 9,806
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 9,399
Monthly Savings
₹ 406
SIP Investment
@ 12% for 32 years
₹ 1,831,437
Extra Interest Paid
₹ 432,378
Final Outcome
₹ 1,399,059
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,831,437.
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