EMI vs SIP for ₹800,000

9 Years @ 7%

Original Plan

9 Years @ 7%

EMI: ₹ 10,005

Extended Plan

14 Years (Reduced EMI)

EMI: ₹ 7,483

Monthly Savings

₹ 2,522

SIP Investment

@ 12% for 14 years

₹ 1,100,566

Extra Interest Paid

₹ 176,636

Final Outcome

₹ 923,930

Profit from SIP strategy

Analysis

For ₹800,000 loan at 7%, investing savings can generate ₹1,100,566.

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