EMI vs SIP for ₹500,000
18 Years @ 8%
Original Plan
18 Years @ 8%
EMI: ₹ 4,375
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 3,967
Monthly Savings
₹ 408
SIP Investment
@ 12% for 23 years
₹ 600,345
Extra Interest Paid
₹ 150,005
Final Outcome
₹ 450,340
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹600,345.
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