EMI vs SIP for ₹700,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 7,708
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 7,373
Monthly Savings
₹ 335
SIP Investment
@ 12% for 25 years
₹ 635,772
Extra Interest Paid
₹ 361,946
Final Outcome
₹ 273,826
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹635,772.
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