EMI vs SIP for ₹500,000
10 Years @ 8%
Original Plan
10 Years @ 8%
EMI: ₹ 6,066
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 4,778
Monthly Savings
₹ 1,288
SIP Investment
@ 12% for 15 years
₹ 649,954
Extra Interest Paid
₹ 132,121
Final Outcome
₹ 517,833
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹649,954.
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