EMI vs SIP for ₹500,000
16 Years @ 8%
Original Plan
16 Years @ 8%
EMI: ₹ 4,625
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 4,102
Monthly Savings
₹ 522
SIP Investment
@ 12% for 21 years
₹ 594,941
Extra Interest Paid
₹ 145,811
Final Outcome
₹ 449,129
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹594,941.
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