EMI vs SIP for ₹500,000
15 Years @ 8%
Original Plan
15 Years @ 8%
EMI: ₹ 4,778
Extended Plan
20 Years (Reduced EMI)
EMI: ₹ 4,182
Monthly Savings
₹ 596
SIP Investment
@ 12% for 20 years
₹ 595,552
Extra Interest Paid
₹ 143,641
Final Outcome
₹ 451,911
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹595,552.
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