EMI vs SIP for ₹500,000
14 Years @ 12%
Original Plan
14 Years @ 12%
EMI: ₹ 6,157
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 5,577
Monthly Savings
₹ 580
SIP Investment
@ 12% for 19 years
₹ 507,881
Extra Interest Paid
₹ 237,139
Final Outcome
₹ 270,742
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹507,881.
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