EMI vs SIP for ₹700,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 7,227
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 7,123
Monthly Savings
₹ 104
SIP Investment
@ 12% for 34 years
₹ 596,089
Extra Interest Paid
₹ 391,315
Final Outcome
₹ 204,773
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹596,089.
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