EMI vs SIP for ₹500,000
22 Years @ 12%
Original Plan
22 Years @ 12%
EMI: ₹ 5,390
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 5,207
Monthly Savings
₹ 182
SIP Investment
@ 12% for 27 years
₹ 444,576
Extra Interest Paid
₹ 264,269
Final Outcome
₹ 180,308
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹444,576.
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