EMI vs SIP for ₹800,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 6,692
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 6,175
Monthly Savings
₹ 517
SIP Investment
@ 12% for 25 years
₹ 981,060
Extra Interest Paid
₹ 246,394
Final Outcome
₹ 734,666
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹981,060.
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