EMI vs SIP for ₹800,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 7,399
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 6,563
Monthly Savings
₹ 836
SIP Investment
@ 12% for 21 years
₹ 951,905
Extra Interest Paid
₹ 233,298
Final Outcome
₹ 718,607
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹951,905.
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