EMI vs SIP for ₹700,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 7,924
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 7,480
Monthly Savings
₹ 444
SIP Investment
@ 12% for 23 years
₹ 653,593
Extra Interest Paid
₹ 352,958
Final Outcome
₹ 300,635
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹653,593.
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