EMI vs SIP for ₹700,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 5,762

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 5,566

Monthly Savings

₹ 196

SIP Investment

@ 12% for 32 years

₹ 884,123

Extra Interest Paid

₹ 270,423

Final Outcome

₹ 613,700

Profit from SIP strategy

Analysis

For ₹700,000 loan at 9%, investing savings can generate ₹884,123.

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