EMI vs SIP for ₹700,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 7,808
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 7,423
Monthly Savings
₹ 385
SIP Investment
@ 12% for 24 years
₹ 644,029
Extra Interest Paid
₹ 357,574
Final Outcome
₹ 286,454
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹644,029.
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