EMI vs SIP for ₹700,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 5,743
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 5,338
Monthly Savings
₹ 405
SIP Investment
@ 12% for 26 years
₹ 870,789
Extra Interest Paid
₹ 218,279
Final Outcome
₹ 652,510
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹870,789.
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