EMI vs SIP for ₹700,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 5,109
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 4,757
Monthly Savings
₹ 352
SIP Investment
@ 12% for 28 years
₹ 971,502
Extra Interest Paid
₹ 188,236
Final Outcome
₹ 783,267
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹971,502.
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