EMI vs SIP for ₹1,300,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 13,476
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 13,258
Monthly Savings
₹ 218
SIP Investment
@ 12% for 33 years
₹ 1,111,584
Extra Interest Paid
₹ 722,145
Final Outcome
₹ 389,438
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 12%, investing savings can generate ₹1,111,584.
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