EMI vs SIP for ₹800,000

6 Years @ 9%

Original Plan

6 Years @ 9%

EMI: ₹ 14,420

Extended Plan

11 Years (Reduced EMI)

EMI: ₹ 9,569

Monthly Savings

₹ 4,852

SIP Investment

@ 12% for 11 years

₹ 1,332,372

Extra Interest Paid

₹ 224,790

Final Outcome

₹ 1,107,583

Profit from SIP strategy

Analysis

For ₹800,000 loan at 9%, investing savings can generate ₹1,332,372.

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