EMI vs SIP for ₹1,300,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 26,359
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 15,773
Monthly Savings
₹ 10,587
SIP Investment
@ 12% for 10 years
₹ 2,459,710
Extra Interest Paid
₹ 311,152
Final Outcome
₹ 2,148,558
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 8%, investing savings can generate ₹2,459,710.
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