EMI vs SIP for ₹500,000
19 Years @ 12%
Original Plan
19 Years @ 12%
EMI: ₹ 5,577
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 5,302
Monthly Savings
₹ 275
SIP Investment
@ 12% for 24 years
₹ 460,021
Extra Interest Paid
₹ 255,410
Final Outcome
₹ 204,610
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹460,021.
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