EMI vs SIP for ₹700,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 6,690
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 5,855
Monthly Savings
₹ 834
SIP Investment
@ 12% for 20 years
₹ 833,773
Extra Interest Paid
₹ 201,098
Final Outcome
₹ 632,675
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹833,773.
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