EMI vs SIP for ₹700,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 6,070
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 5,309
Monthly Savings
₹ 761
SIP Investment
@ 12% for 21 years
₹ 866,707
Extra Interest Paid
₹ 172,417
Final Outcome
₹ 694,290
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹866,707.
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