EMI vs SIP for ₹700,000
28 Years @ 8%
Original Plan
28 Years @ 8%
EMI: ₹ 5,227
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 5,029
Monthly Savings
₹ 199
SIP Investment
@ 12% for 33 years
₹ 1,011,838
Extra Interest Paid
₹ 234,980
Final Outcome
₹ 776,858
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹1,011,838.
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