EMI vs SIP for ₹700,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 7,423
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 7,227
Monthly Savings
₹ 196
SIP Investment
@ 12% for 29 years
₹ 612,269
Extra Interest Paid
₹ 377,096
Final Outcome
₹ 235,173
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹612,269.
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