EMI vs SIP for ₹700,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 7,200
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 7,109
Monthly Savings
₹ 91
SIP Investment
@ 12% for 35 years
₹ 593,926
Extra Interest Paid
₹ 393,613
Final Outcome
₹ 200,313
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹593,926.
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