EMI vs SIP for ₹800,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 7,645
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 6,692
Monthly Savings
₹ 954
SIP Investment
@ 12% for 20 years
₹ 952,883
Extra Interest Paid
₹ 229,826
Final Outcome
₹ 723,058
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹952,883.
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