EMI vs SIP for ₹500,000
20 Years @ 10%
Original Plan
20 Years @ 10%
EMI: ₹ 4,825
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 4,544
Monthly Savings
₹ 282
SIP Investment
@ 12% for 25 years
₹ 534,383
Extra Interest Paid
₹ 205,025
Final Outcome
₹ 329,357
Profit from SIP strategy
Analysis
For ₹500,000 loan at 10%, investing savings can generate ₹534,383.
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