EMI vs SIP for ₹500,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 6,567
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 5,756
Monthly Savings
₹ 811
SIP Investment
@ 12% for 17 years
₹ 541,696
Extra Interest Paid
₹ 228,578
Final Outcome
₹ 313,118
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹541,696.
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