EMI vs SIP for ₹500,000
16 Years @ 12%
Original Plan
16 Years @ 12%
EMI: ₹ 5,869
Extended Plan
21 Years (Reduced EMI)
EMI: ₹ 5,443
Monthly Savings
₹ 425
SIP Investment
@ 12% for 21 years
₹ 484,082
Extra Interest Paid
₹ 244,985
Final Outcome
₹ 239,096
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹484,082.
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