EMI vs SIP for ₹700,000

19 Years @ 11%

Original Plan

19 Years @ 11%

EMI: ₹ 7,332

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 6,916

Monthly Savings

₹ 416

SIP Investment

@ 12% for 24 years

₹ 695,940

Extra Interest Paid

₹ 320,109

Final Outcome

₹ 375,831

Profit from SIP strategy

Analysis

For ₹700,000 loan at 11%, investing savings can generate ₹695,940.

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