EMI vs SIP for ₹500,000
17 Years @ 7%
Original Plan
17 Years @ 7%
EMI: ₹ 4,198
Extended Plan
22 Years (Reduced EMI)
EMI: ₹ 3,717
Monthly Savings
₹ 481
SIP Investment
@ 12% for 22 years
₹ 623,563
Extra Interest Paid
₹ 124,866
Final Outcome
₹ 498,697
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹623,563.
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