EMI vs SIP for ₹600,000

27 Years @ 9%

Original Plan

27 Years @ 9%

EMI: ₹ 4,939

Extended Plan

32 Years (Reduced EMI)

EMI: ₹ 4,771

Monthly Savings

₹ 168

SIP Investment

@ 12% for 32 years

₹ 757,820

Extra Interest Paid

₹ 231,791

Final Outcome

₹ 526,028

Profit from SIP strategy

Analysis

For ₹600,000 loan at 9%, investing savings can generate ₹757,820.

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