EMI vs SIP for ₹500,000
14 Years @ 7%
Original Plan
14 Years @ 7%
EMI: ₹ 4,677
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 3,971
Monthly Savings
₹ 706
SIP Investment
@ 12% for 19 years
₹ 618,015
Extra Interest Paid
₹ 119,643
Final Outcome
₹ 498,373
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹618,015.
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