EMI vs SIP for ₹500,000
12 Years @ 8%
Original Plan
12 Years @ 8%
EMI: ₹ 5,412
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 4,491
Monthly Savings
₹ 921
SIP Investment
@ 12% for 17 years
₹ 615,141
Extra Interest Paid
₹ 136,856
Final Outcome
₹ 478,285
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹615,141.
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