EMI vs SIP for ₹800,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 8,293
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 8,159
Monthly Savings
₹ 134
SIP Investment
@ 12% for 33 years
₹ 684,052
Extra Interest Paid
₹ 444,397
Final Outcome
₹ 239,654
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹684,052.
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