EMI vs SIP for ₹500,000
18 Years @ 12%
Original Plan
18 Years @ 12%
EMI: ₹ 5,660
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 5,343
Monthly Savings
₹ 317
SIP Investment
@ 12% for 23 years
₹ 466,852
Extra Interest Paid
₹ 252,113
Final Outcome
₹ 214,739
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹466,852.
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