EMI vs SIP for ₹700,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 6,755
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 6,361
Monthly Savings
₹ 394
SIP Investment
@ 12% for 25 years
₹ 748,136
Extra Interest Paid
₹ 287,035
Final Outcome
₹ 461,100
Profit from SIP strategy
Analysis
For ₹700,000 loan at 10%, investing savings can generate ₹748,136.
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