EMI vs SIP for ₹700,000
18 Years @ 7%
Original Plan
18 Years @ 7%
EMI: ₹ 5,709
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 5,109
Monthly Savings
₹ 599
SIP Investment
@ 12% for 23 years
₹ 882,480
Extra Interest Paid
₹ 177,165
Final Outcome
₹ 705,315
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹882,480.
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