EMI vs SIP for ₹700,000
16 Years @ 11%
Original Plan
16 Years @ 11%
EMI: ₹ 7,763
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 7,132
Monthly Savings
₹ 631
SIP Investment
@ 12% for 21 years
₹ 718,397
Extra Interest Paid
₹ 306,792
Final Outcome
₹ 411,605
Profit from SIP strategy
Analysis
For ₹700,000 loan at 11%, investing savings can generate ₹718,397.
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