EMI vs SIP for ₹800,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 6,938
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 6,068
Monthly Savings
₹ 870
SIP Investment
@ 12% for 21 years
₹ 990,522
Extra Interest Paid
₹ 197,047
Final Outcome
₹ 793,474
Profit from SIP strategy
Analysis
For ₹800,000 loan at 7%, investing savings can generate ₹990,522.
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