EMI vs SIP for ₹700,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 5,338
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 5,097
Monthly Savings
₹ 241
SIP Investment
@ 12% for 31 years
₹ 962,288
Extra Interest Paid
₹ 230,583
Final Outcome
₹ 731,704
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹962,288.
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