EMI vs SIP for ₹500,000

19 Years @ 11%

Original Plan

19 Years @ 11%

EMI: ₹ 5,237

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 4,940

Monthly Savings

₹ 297

SIP Investment

@ 12% for 24 years

₹ 497,100

Extra Interest Paid

₹ 228,649

Final Outcome

₹ 268,451

Profit from SIP strategy

Analysis

For ₹500,000 loan at 11%, investing savings can generate ₹497,100.

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