EMI vs SIP for ₹700,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 6,298
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 5,874
Monthly Savings
₹ 424
SIP Investment
@ 12% for 25 years
₹ 804,042
Extra Interest Paid
₹ 250,773
Final Outcome
₹ 553,269
Profit from SIP strategy
Analysis
For ₹700,000 loan at 9%, investing savings can generate ₹804,042.
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