EMI vs SIP for ₹700,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 6,125
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 5,554
Monthly Savings
₹ 571
SIP Investment
@ 12% for 23 years
₹ 840,483
Extra Interest Paid
₹ 210,007
Final Outcome
₹ 630,476
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹840,483.
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