EMI vs SIP for ₹500,000
20 Years @ 9%
Original Plan
20 Years @ 9%
EMI: ₹ 4,499
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 4,196
Monthly Savings
₹ 303
SIP Investment
@ 12% for 25 years
₹ 574,315
Extra Interest Paid
₹ 179,123
Final Outcome
₹ 395,192
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹574,315.
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