EMI vs SIP for ₹500,000
21 Years @ 12%
Original Plan
21 Years @ 12%
EMI: ₹ 5,443
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 5,235
Monthly Savings
₹ 209
SIP Investment
@ 12% for 26 years
₹ 449,014
Extra Interest Paid
₹ 261,484
Final Outcome
₹ 187,530
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹449,014.
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