EMI vs SIP for ₹500,000
20 Years @ 11%
Original Plan
20 Years @ 11%
EMI: ₹ 5,161
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 4,901
Monthly Savings
₹ 260
SIP Investment
@ 12% for 25 years
₹ 494,100
Extra Interest Paid
₹ 231,544
Final Outcome
₹ 262,556
Profit from SIP strategy
Analysis
For ₹500,000 loan at 11%, investing savings can generate ₹494,100.
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