EMI vs SIP for ₹800,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 6,563
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 6,101
Monthly Savings
₹ 463
SIP Investment
@ 12% for 26 years
₹ 995,188
Extra Interest Paid
₹ 249,462
Final Outcome
₹ 745,726
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹995,188.
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