EMI vs SIP for ₹700,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 6,474
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 5,743
Monthly Savings
₹ 731
SIP Investment
@ 12% for 21 years
₹ 832,917
Extra Interest Paid
₹ 204,136
Final Outcome
₹ 628,781
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹832,917.
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