EMI vs SIP for ₹800,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 8,809
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 8,426
Monthly Savings
₹ 383
SIP Investment
@ 12% for 25 years
₹ 726,597
Extra Interest Paid
₹ 413,653
Final Outcome
₹ 312,944
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹726,597.
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