EMI vs SIP for ₹700,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 7,373
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 7,200
Monthly Savings
₹ 172
SIP Investment
@ 12% for 30 years
₹ 608,136
Extra Interest Paid
₹ 380,333
Final Outcome
₹ 227,803
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹608,136.
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