EMI vs SIP for ₹500,000
16 Years @ 10%
Original Plan
16 Years @ 10%
EMI: ₹ 5,230
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 4,754
Monthly Savings
₹ 476
SIP Investment
@ 12% for 21 years
₹ 541,564
Extra Interest Paid
₹ 193,917
Final Outcome
₹ 347,647
Profit from SIP strategy
Analysis
For ₹500,000 loan at 10%, investing savings can generate ₹541,564.
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