EMI vs SIP for ₹800,000
25 Years @ 8%
Original Plan
25 Years @ 8%
EMI: ₹ 6,175
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 5,870
Monthly Savings
₹ 304
SIP Investment
@ 12% for 30 years
₹ 1,074,552
Extra Interest Paid
₹ 260,883
Final Outcome
₹ 813,669
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹1,074,552.
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