EMI vs SIP for ₹700,000
23 Years @ 9%
Original Plan
23 Years @ 9%
EMI: ₹ 6,015
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 5,714
Monthly Savings
₹ 301
SIP Investment
@ 12% for 28 years
₹ 829,726
Extra Interest Paid
₹ 259,831
Final Outcome
₹ 569,895
Profit from SIP strategy
Analysis
For ₹700,000 loan at 9%, investing savings can generate ₹829,726.
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