EMI vs SIP for ₹700,000
5 Years @ 12%
Original Plan
5 Years @ 12%
EMI: ₹ 15,571
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 10,043
Monthly Savings
₹ 5,528
SIP Investment
@ 12% for 10 years
₹ 1,284,405
Extra Interest Paid
₹ 270,889
Final Outcome
₹ 1,013,515
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹1,284,405.
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