EMI vs SIP for ₹700,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 6,555
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 6,015
Monthly Savings
₹ 540
SIP Investment
@ 12% for 23 years
₹ 795,800
Extra Interest Paid
₹ 244,201
Final Outcome
₹ 551,598
Profit from SIP strategy
Analysis
For ₹700,000 loan at 9%, investing savings can generate ₹795,800.
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