EMI vs SIP for ₹800,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 8,624
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 8,332
Monthly Savings
₹ 292
SIP Investment
@ 12% for 27 years
₹ 711,322
Extra Interest Paid
₹ 422,830
Final Outcome
₹ 288,492
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹711,322.
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