EMI vs SIP for ₹500,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 4,102
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 3,813
Monthly Savings
₹ 289
SIP Investment
@ 12% for 26 years
₹ 621,992
Extra Interest Paid
₹ 155,914
Final Outcome
₹ 466,079
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹621,992.
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