EMI vs SIP for ₹1,300,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 9,708
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 9,339
Monthly Savings
₹ 369
SIP Investment
@ 12% for 33 years
₹ 1,879,127
Extra Interest Paid
₹ 436,391
Final Outcome
₹ 1,442,736
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,879,127.
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