EMI vs SIP for ₹700,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 7,621
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 7,329
Monthly Savings
₹ 292
SIP Investment
@ 12% for 26 years
₹ 628,620
Extra Interest Paid
₹ 366,078
Final Outcome
₹ 262,542
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹628,620.
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