EMI vs SIP for ₹700,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 6,292
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 5,427
Monthly Savings
₹ 865
SIP Investment
@ 12% for 20 years
₹ 863,969
Extra Interest Paid
₹ 169,979
Final Outcome
₹ 693,990
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹863,969.
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