EMI vs SIP for ₹800,000

19 Years @ 8%

Original Plan

19 Years @ 8%

EMI: ₹ 6,836

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 6,256

Monthly Savings

₹ 580

SIP Investment

@ 12% for 24 years

₹ 969,453

Extra Interest Paid

₹ 243,242

Final Outcome

₹ 726,211

Profit from SIP strategy

Analysis

For ₹800,000 loan at 8%, investing savings can generate ₹969,453.

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