EMI vs SIP for ₹700,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 5,855
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 5,403
Monthly Savings
₹ 452
SIP Investment
@ 12% for 25 years
₹ 858,427
Extra Interest Paid
₹ 215,595
Final Outcome
₹ 642,833
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹858,427.
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