EMI vs SIP for ₹700,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 11,377
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 8,881
Monthly Savings
₹ 2,496
SIP Investment
@ 12% for 13 years
₹ 938,446
Extra Interest Paid
₹ 293,193
Final Outcome
₹ 645,254
Profit from SIP strategy
Analysis
For ₹700,000 loan at 12%, investing savings can generate ₹938,446.
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