EMI vs SIP for ₹500,000
15 Years @ 7%
Original Plan
15 Years @ 7%
EMI: ₹ 4,494
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 3,876
Monthly Savings
₹ 618
SIP Investment
@ 12% for 20 years
₹ 617,120
Extra Interest Paid
₹ 121,413
Final Outcome
₹ 495,707
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹617,120.
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