EMI vs SIP for ₹700,000
26 Years @ 7%
Original Plan
26 Years @ 7%
EMI: ₹ 4,878
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 4,613
Monthly Savings
₹ 264
SIP Investment
@ 12% for 31 years
₹ 1,055,261
Extra Interest Paid
₹ 194,297
Final Outcome
₹ 860,964
Profit from SIP strategy
Analysis
For ₹700,000 loan at 7%, investing savings can generate ₹1,055,261.
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