EMI vs SIP for ₹800,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 8,259
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 8,140
Monthly Savings
₹ 118
SIP Investment
@ 12% for 34 years
₹ 681,244
Extra Interest Paid
₹ 447,217
Final Outcome
₹ 234,027
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹681,244.
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