EMI vs SIP for ₹500,000
17 Years @ 8%
Original Plan
17 Years @ 8%
EMI: ₹ 4,491
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 4,031
Monthly Savings
₹ 460
SIP Investment
@ 12% for 22 years
₹ 596,624
Extra Interest Paid
₹ 147,933
Final Outcome
₹ 448,691
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹596,624.
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