EMI vs SIP for ₹700,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 5,427
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 4,947
Monthly Savings
₹ 480
SIP Investment
@ 12% for 25 years
₹ 910,178
Extra Interest Paid
₹ 181,734
Final Outcome
₹ 728,444
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹910,178.
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