EMI vs SIP for ₹700,000
27 Years @ 12%
Original Plan
27 Years @ 12%
EMI: ₹ 7,290
Extended Plan
32 Years (Reduced EMI)
EMI: ₹ 7,157
Monthly Savings
₹ 133
SIP Investment
@ 12% for 32 years
₹ 601,337
Extra Interest Paid
₹ 386,200
Final Outcome
₹ 215,137
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹601,337.
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