EMI vs SIP for ₹500,000
23 Years @ 8%
Original Plan
23 Years @ 8%
EMI: ₹ 3,967
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 3,734
Monthly Savings
₹ 233
SIP Investment
@ 12% for 28 years
₹ 644,046
Extra Interest Paid
₹ 159,590
Final Outcome
₹ 484,456
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹644,046.
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