EMI vs SIP for ₹500,000
20 Years @ 12%
Original Plan
20 Years @ 12%
EMI: ₹ 5,505
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 5,266
Monthly Savings
₹ 239
SIP Investment
@ 12% for 25 years
₹ 454,123
Extra Interest Paid
₹ 258,533
Final Outcome
₹ 195,590
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹454,123.
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