EMI vs SIP for ₹800,000

30 Years @ 10%

Original Plan

30 Years @ 10%

EMI: ₹ 7,021

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 6,877

Monthly Savings

₹ 143

SIP Investment

@ 12% for 35 years

₹ 930,078

Extra Interest Paid

₹ 361,093

Final Outcome

₹ 568,985

Profit from SIP strategy

Analysis

For ₹800,000 loan at 10%, investing savings can generate ₹930,078.

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