EMI vs SIP for ₹500,000
13 Years @ 8%
Original Plan
13 Years @ 8%
EMI: ₹ 5,165
Extended Plan
18 Years (Reduced EMI)
EMI: ₹ 4,375
Monthly Savings
₹ 791
SIP Investment
@ 12% for 18 years
₹ 605,123
Extra Interest Paid
₹ 139,162
Final Outcome
₹ 465,961
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹605,123.
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