EMI vs SIP for ₹500,000
11 Years @ 10%
Original Plan
11 Years @ 10%
EMI: ₹ 6,260
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 5,230
Monthly Savings
₹ 1,030
SIP Investment
@ 12% for 16 years
₹ 599,069
Extra Interest Paid
₹ 177,754
Final Outcome
₹ 421,315
Profit from SIP strategy
Analysis
For ₹500,000 loan at 10%, investing savings can generate ₹599,069.
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