EMI vs SIP for ₹1,300,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 16,258

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 12,160

Monthly Savings

₹ 4,098

SIP Investment

@ 12% for 14 years

₹ 1,788,420

Extra Interest Paid

₹ 287,034

Final Outcome

₹ 1,501,386

Profit from SIP strategy

Analysis

For ₹1,300,000 loan at 7%, investing savings can generate ₹1,788,420.

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