EMI vs SIP for ₹500,000
12 Years @ 7%
Original Plan
12 Years @ 7%
EMI: ₹ 5,142
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 4,198
Monthly Savings
₹ 944
SIP Investment
@ 12% for 17 years
₹ 630,252
Extra Interest Paid
₹ 116,019
Final Outcome
₹ 514,232
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹630,252.
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