EMI vs SIP for ₹800,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 7,198
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 6,714
Monthly Savings
₹ 484
SIP Investment
@ 12% for 25 years
₹ 918,905
Extra Interest Paid
₹ 286,597
Final Outcome
₹ 632,307
Profit from SIP strategy
Analysis
For ₹800,000 loan at 9%, investing savings can generate ₹918,905.
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