EMI vs SIP for ₹800,000
6 Years @ 12%
Original Plan
6 Years @ 12%
EMI: ₹ 15,640
Extended Plan
11 Years (Reduced EMI)
EMI: ₹ 10,942
Monthly Savings
₹ 4,698
SIP Investment
@ 12% for 11 years
₹ 1,290,099
Extra Interest Paid
₹ 318,293
Final Outcome
₹ 971,807
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹1,290,099.
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