EMI vs SIP for ₹800,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 9,056
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 8,549
Monthly Savings
₹ 507
SIP Investment
@ 12% for 23 years
₹ 746,964
Extra Interest Paid
₹ 403,381
Final Outcome
₹ 343,583
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹746,964.
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