EMI vs SIP for ₹800,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 9,390
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 8,710
Monthly Savings
₹ 680
SIP Investment
@ 12% for 21 years
₹ 774,531
Extra Interest Paid
₹ 391,977
Final Outcome
₹ 382,554
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹774,531.
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