EMI vs SIP for ₹700,000
26 Years @ 12%
Original Plan
26 Years @ 12%
EMI: ₹ 7,329
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 7,177
Monthly Savings
₹ 151
SIP Investment
@ 12% for 31 years
₹ 604,515
Extra Interest Paid
₹ 383,365
Final Outcome
₹ 221,150
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹604,515.
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