EMI vs SIP for ₹500,000

19 Years @ 10%

Original Plan

19 Years @ 10%

EMI: ₹ 4,906

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 4,587

Monthly Savings

₹ 319

SIP Investment

@ 12% for 24 years

₹ 534,174

Extra Interest Paid

₹ 202,405

Final Outcome

₹ 331,770

Profit from SIP strategy

Analysis

For ₹500,000 loan at 10%, investing savings can generate ₹534,174.

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