EMI vs SIP for ₹700,000
30 Years @ 8%
Original Plan
30 Years @ 8%
EMI: ₹ 5,136
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 4,972
Monthly Savings
₹ 165
SIP Investment
@ 12% for 35 years
₹ 1,068,640
Extra Interest Paid
₹ 239,080
Final Outcome
₹ 829,560
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹1,068,640.
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