EMI vs SIP for ₹700,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 5,554
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 5,227
Monthly Savings
₹ 327
SIP Investment
@ 12% for 28 years
₹ 901,664
Extra Interest Paid
₹ 223,426
Final Outcome
₹ 678,238
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹901,664.
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