EMI vs SIP for ₹500,000
29 Years @ 9%
Original Plan
29 Years @ 9%
EMI: ₹ 4,051
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 3,937
Monthly Savings
₹ 114
SIP Investment
@ 12% for 34 years
₹ 656,317
Extra Interest Paid
₹ 196,500
Final Outcome
₹ 459,816
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹656,317.
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