EMI vs SIP for ₹500,000
13 Years @ 12%
Original Plan
13 Years @ 12%
EMI: ₹ 6,343
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 5,660
Monthly Savings
₹ 684
SIP Investment
@ 12% for 18 years
₹ 523,238
Extra Interest Paid
₹ 232,947
Final Outcome
₹ 290,292
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹523,238.
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