EMI vs SIP for ₹800,000

18 Years @ 7%

Original Plan

18 Years @ 7%

EMI: ₹ 6,524

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 5,839

Monthly Savings

₹ 685

SIP Investment

@ 12% for 23 years

₹ 1,008,549

Extra Interest Paid

₹ 202,474

Final Outcome

₹ 806,075

Profit from SIP strategy

Analysis

For ₹800,000 loan at 7%, investing savings can generate ₹1,008,549.

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