EMI vs SIP for ₹800,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 6,202
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 5,654
Monthly Savings
₹ 548
SIP Investment
@ 12% for 25 years
₹ 1,040,204
Extra Interest Paid
₹ 207,696
Final Outcome
₹ 832,508
Profit from SIP strategy
Analysis
For ₹800,000 loan at 7%, investing savings can generate ₹1,040,204.
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