EMI vs SIP for ₹700,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 6,288
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 5,643
Monthly Savings
₹ 645
SIP Investment
@ 12% for 22 years
₹ 835,273
Extra Interest Paid
₹ 207,106
Final Outcome
₹ 628,167
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹835,273.
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