EMI vs SIP for ₹500,000
29 Years @ 12%
Original Plan
29 Years @ 12%
EMI: ₹ 5,162
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 5,088
Monthly Savings
₹ 74
SIP Investment
@ 12% for 34 years
₹ 425,778
Extra Interest Paid
₹ 279,511
Final Outcome
₹ 146,267
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹425,778.
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