EMI vs SIP for ₹800,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 13,002
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 10,149
Monthly Savings
₹ 2,853
SIP Investment
@ 12% for 13 years
₹ 1,072,510
Extra Interest Paid
₹ 335,077
Final Outcome
₹ 737,433
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹1,072,510.
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