EMI vs SIP for ₹700,000
26 Years @ 10%
Original Plan
26 Years @ 10%
EMI: ₹ 6,307
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 6,112
Monthly Savings
₹ 195
SIP Investment
@ 12% for 31 years
₹ 776,508
Extra Interest Paid
₹ 306,021
Final Outcome
₹ 470,487
Profit from SIP strategy
Analysis
For ₹700,000 loan at 10%, investing savings can generate ₹776,508.
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