EMI vs SIP for ₹500,000
15 Years @ 12%
Original Plan
15 Years @ 12%
EMI: ₹ 6,001
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 5,505
Monthly Savings
₹ 495
SIP Investment
@ 12% for 20 years
₹ 494,988
Extra Interest Paid
₹ 241,152
Final Outcome
₹ 253,835
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹494,988.
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