EMI vs SIP for ₹700,000

30 Years @ 10%

Original Plan

30 Years @ 10%

EMI: ₹ 6,143

Extended Plan

35 Years (Reduced EMI)

EMI: ₹ 6,018

Monthly Savings

₹ 125

SIP Investment

@ 12% for 35 years

₹ 813,818

Extra Interest Paid

₹ 315,957

Final Outcome

₹ 497,862

Profit from SIP strategy

Analysis

For ₹700,000 loan at 10%, investing savings can generate ₹813,818.

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