EMI vs SIP for ₹800,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 8,229
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 8,124
Monthly Savings
₹ 105
SIP Investment
@ 12% for 35 years
₹ 678,772
Extra Interest Paid
₹ 449,843
Final Outcome
₹ 228,929
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹678,772.
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