EMI vs SIP for ₹700,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 7,546
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 7,290
Monthly Savings
₹ 255
SIP Investment
@ 12% for 27 years
₹ 622,407
Extra Interest Paid
₹ 369,976
Final Outcome
₹ 252,431
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹622,407.
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