EMI vs SIP for ₹800,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 7,000
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 6,348
Monthly Savings
₹ 652
SIP Investment
@ 12% for 23 years
₹ 960,552
Extra Interest Paid
₹ 240,008
Final Outcome
₹ 720,544
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹960,552.
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