EMI vs SIP for ₹800,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 9,601
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 8,809
Monthly Savings
₹ 793
SIP Investment
@ 12% for 20 years
₹ 791,980
Extra Interest Paid
₹ 385,843
Final Outcome
₹ 406,137
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹791,980.
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