EMI vs SIP for ₹700,000
7 Years @ 12%
Original Plan
7 Years @ 12%
EMI: ₹ 12,357
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 9,194
Monthly Savings
₹ 3,163
SIP Investment
@ 12% for 12 years
₹ 1,019,277
Extra Interest Paid
₹ 285,946
Final Outcome
₹ 733,331
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹1,019,277.
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