EMI vs SIP for ₹700,000
20 Years @ 11%
Original Plan
20 Years @ 11%
EMI: ₹ 7,225
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 6,861
Monthly Savings
₹ 365
SIP Investment
@ 12% for 25 years
₹ 691,740
Extra Interest Paid
₹ 324,161
Final Outcome
₹ 367,579
Profit from SIP strategy
Analysis
For ₹700,000 loan at 11%, investing savings can generate ₹691,740.
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