EMI vs SIP for ₹700,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 5,180
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 4,999
Monthly Savings
₹ 181
SIP Investment
@ 12% for 34 years
₹ 1,039,328
Extra Interest Paid
₹ 237,067
Final Outcome
₹ 802,261
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹1,039,328.
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