EMI vs SIP for ₹700,000
7 Years @ 8%
Original Plan
7 Years @ 8%
EMI: ₹ 10,910
Extended Plan
12 Years (Reduced EMI)
EMI: ₹ 7,577
Monthly Savings
₹ 3,333
SIP Investment
@ 12% for 12 years
₹ 1,074,125
Extra Interest Paid
₹ 174,643
Final Outcome
₹ 899,482
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹1,074,125.
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