EMI vs SIP for ₹800,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 6,449
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 6,034
Monthly Savings
₹ 415
SIP Investment
@ 12% for 27 years
₹ 1,011,695
Extra Interest Paid
₹ 252,446
Final Outcome
₹ 759,249
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹1,011,695.
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