EMI vs SIP for ₹700,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 8,881
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 7,924
Monthly Savings
₹ 957
SIP Investment
@ 12% for 18 years
₹ 732,534
Extra Interest Paid
₹ 326,125
Final Outcome
₹ 406,408
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹732,534.
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