EMI vs SIP for ₹700,000
24 Years @ 8%
Original Plan
24 Years @ 8%
EMI: ₹ 5,474
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 5,180
Monthly Savings
₹ 295
SIP Investment
@ 12% for 29 years
₹ 920,014
Extra Interest Paid
₹ 225,887
Final Outcome
₹ 694,127
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹920,014.
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