EMI vs SIP for ₹700,000
14 Years @ 12%
Original Plan
14 Years @ 12%
EMI: ₹ 8,620
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 7,808
Monthly Savings
₹ 812
SIP Investment
@ 12% for 19 years
₹ 711,033
Extra Interest Paid
₹ 331,994
Final Outcome
₹ 379,039
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹711,033.
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