EMI vs SIP for ₹500,000
13 Years @ 7%
Original Plan
13 Years @ 7%
EMI: ₹ 4,890
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 4,078
Monthly Savings
₹ 813
SIP Investment
@ 12% for 18 years
₹ 622,195
Extra Interest Paid
₹ 117,845
Final Outcome
₹ 504,350
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹622,195.
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