EMI vs SIP for ₹800,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 5,322
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 5,111
Monthly Savings
₹ 212
SIP Investment
@ 12% for 35 years
₹ 1,374,198
Extra Interest Paid
₹ 230,486
Final Outcome
₹ 1,143,712
Profit from SIP strategy
Analysis
For ₹800,000 loan at 7%, investing savings can generate ₹1,374,198.
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