EMI vs SIP for ₹700,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 8,401
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 7,708
Monthly Savings
₹ 694
SIP Investment
@ 12% for 20 years
₹ 692,983
Extra Interest Paid
₹ 337,613
Final Outcome
₹ 355,370
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹692,983.
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