EMI vs SIP for ₹1,300,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 9,539
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 9,233
Monthly Savings
₹ 306
SIP Investment
@ 12% for 35 years
₹ 1,984,617
Extra Interest Paid
₹ 444,006
Final Outcome
₹ 1,540,611
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹1,984,617.
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