EMI vs SIP for ₹800,000

5 Years @ 7%

Original Plan

5 Years @ 7%

EMI: ₹ 15,841

Extended Plan

10 Years (Reduced EMI)

EMI: ₹ 9,289

Monthly Savings

₹ 6,552

SIP Investment

@ 12% for 10 years

₹ 1,522,351

Extra Interest Paid

₹ 164,184

Final Outcome

₹ 1,358,167

Profit from SIP strategy

Analysis

For ₹800,000 loan at 7%, investing savings can generate ₹1,522,351.

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