EMI vs SIP for ₹700,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 8,216
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 7,621
Monthly Savings
₹ 595
SIP Investment
@ 12% for 21 years
₹ 677,714
Extra Interest Paid
₹ 342,980
Final Outcome
₹ 334,735
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹677,714.
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