EMI vs SIP for ₹700,000
24 Years @ 7%
Original Plan
24 Years @ 7%
EMI: ₹ 5,024
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 4,705
Monthly Savings
₹ 319
SIP Investment
@ 12% for 29 years
₹ 996,949
Extra Interest Paid
₹ 190,306
Final Outcome
₹ 806,643
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹996,949.
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