EMI vs SIP for ₹500,000
11 Years @ 12%
Original Plan
11 Years @ 12%
EMI: ₹ 6,839
Extended Plan
16 Years (Reduced EMI)
EMI: ₹ 5,869
Monthly Savings
₹ 970
SIP Investment
@ 12% for 16 years
₹ 564,119
Extra Interest Paid
₹ 224,036
Final Outcome
₹ 340,083
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹564,119.
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