EMI vs SIP for ₹600,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 6,607
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 6,319
Monthly Savings
₹ 287
SIP Investment
@ 12% for 25 years
₹ 544,948
Extra Interest Paid
₹ 310,239
Final Outcome
₹ 234,708
Profit from SIP strategy
Analysis
For ₹600,000 loan at 12%, investing savings can generate ₹544,948.
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