EMI vs SIP for ₹500,000
18 Years @ 10%
Original Plan
18 Years @ 10%
EMI: ₹ 4,999
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 4,636
Monthly Savings
₹ 363
SIP Investment
@ 12% for 23 years
₹ 535,177
Extra Interest Paid
₹ 199,679
Final Outcome
₹ 335,497
Profit from SIP strategy
Analysis
For ₹500,000 loan at 10%, investing savings can generate ₹535,177.
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