EMI vs SIP for ₹800,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 8,376
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 8,202
Monthly Savings
₹ 173
SIP Investment
@ 12% for 31 years
₹ 690,874
Extra Interest Paid
₹ 438,131
Final Outcome
₹ 252,743
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹690,874.
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