EMI vs SIP for ₹700,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 5,309
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 4,878
Monthly Savings
₹ 431
SIP Investment
@ 12% for 26 years
₹ 928,074
Extra Interest Paid
₹ 183,949
Final Outcome
₹ 744,125
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹928,074.
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