EMI vs SIP for ₹800,000
23 Years @ 12%
Original Plan
23 Years @ 12%
EMI: ₹ 8,549
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 8,293
Monthly Savings
₹ 256
SIP Investment
@ 12% for 28 years
₹ 705,136
Extra Interest Paid
₹ 427,024
Final Outcome
₹ 278,112
Profit from SIP strategy
Analysis
For ₹800,000 loan at 12%, investing savings can generate ₹705,136.
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