EMI vs SIP for ₹700,000
27 Years @ 8%
Original Plan
27 Years @ 8%
EMI: ₹ 5,280
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 5,061
Monthly Savings
₹ 219
SIP Investment
@ 12% for 32 years
₹ 986,158
Extra Interest Paid
₹ 232,819
Final Outcome
₹ 753,340
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹986,158.
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