EMI vs SIP for ₹700,000
8 Years @ 8%
Original Plan
8 Years @ 8%
EMI: ₹ 9,896
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 7,232
Monthly Savings
₹ 2,664
SIP Investment
@ 12% for 13 years
₹ 1,001,540
Extra Interest Paid
₹ 178,132
Final Outcome
₹ 823,408
Profit from SIP strategy
Analysis
For ₹700,000 loan at 8%, investing savings can generate ₹1,001,540.
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