EMI vs SIP for ₹800,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 5,839
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 5,437
Monthly Savings
₹ 402
SIP Investment
@ 12% for 28 years
₹ 1,110,289
Extra Interest Paid
₹ 215,126
Final Outcome
₹ 895,162
Profit from SIP strategy
Analysis
For ₹800,000 loan at 7%, investing savings can generate ₹1,110,289.
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