EMI vs SIP for ₹500,000
18 Years @ 9%
Original Plan
18 Years @ 9%
EMI: ₹ 4,682
Extended Plan
23 Years (Reduced EMI)
EMI: ₹ 4,296
Monthly Savings
₹ 386
SIP Investment
@ 12% for 23 years
₹ 568,428
Extra Interest Paid
₹ 174,430
Final Outcome
₹ 393,999
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹568,428.
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