EMI vs SIP for ₹700,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 7,256
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 7,139
Monthly Savings
₹ 118
SIP Investment
@ 12% for 33 years
₹ 598,545
Extra Interest Paid
₹ 388,847
Final Outcome
₹ 209,698
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹598,545.
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