EMI vs SIP for ₹500,000
20 Years @ 7%
Original Plan
20 Years @ 7%
EMI: ₹ 3,876
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 3,534
Monthly Savings
₹ 343
SIP Investment
@ 12% for 25 years
₹ 650,127
Extra Interest Paid
₹ 129,810
Final Outcome
₹ 520,317
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹650,127.
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