EMI vs SIP for ₹700,000

14 Years @ 10%

Original Plan

14 Years @ 10%

EMI: ₹ 7,757

Extended Plan

19 Years (Reduced EMI)

EMI: ₹ 6,869

Monthly Savings

₹ 889

SIP Investment

@ 12% for 19 years

₹ 777,820

Extra Interest Paid

₹ 262,843

Final Outcome

₹ 514,977

Profit from SIP strategy

Analysis

For ₹700,000 loan at 10%, investing savings can generate ₹777,820.

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