EMI vs SIP for ₹800,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 5,870
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 5,682
Monthly Savings
₹ 188
SIP Investment
@ 12% for 35 years
₹ 1,221,303
Extra Interest Paid
₹ 273,235
Final Outcome
₹ 948,068
Profit from SIP strategy
Analysis
For ₹800,000 loan at 8%, investing savings can generate ₹1,221,303.
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