EMI vs SIP for ₹700,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 9,194
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 8,059
Monthly Savings
₹ 1,135
SIP Investment
@ 12% for 17 years
₹ 758,374
Extra Interest Paid
₹ 320,009
Final Outcome
₹ 438,365
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹758,374.
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