EMI vs SIP for ₹500,000
16 Years @ 7%
Original Plan
16 Years @ 7%
EMI: ₹ 4,336
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 3,792
Monthly Savings
₹ 544
SIP Investment
@ 12% for 21 years
₹ 619,076
Extra Interest Paid
₹ 123,155
Final Outcome
₹ 495,921
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹619,076.
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