EMI vs SIP for ₹500,000
14 Years @ 8%
Original Plan
14 Years @ 8%
EMI: ₹ 4,957
Extended Plan
19 Years (Reduced EMI)
EMI: ₹ 4,273
Monthly Savings
₹ 684
SIP Investment
@ 12% for 19 years
₹ 598,796
Extra Interest Paid
₹ 141,424
Final Outcome
₹ 457,372
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹598,796.
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