EMI vs SIP for ₹500,000
20 Years @ 8%
Original Plan
20 Years @ 8%
EMI: ₹ 4,182
Extended Plan
25 Years (Reduced EMI)
EMI: ₹ 3,859
Monthly Savings
₹ 323
SIP Investment
@ 12% for 25 years
₹ 613,162
Extra Interest Paid
₹ 153,996
Final Outcome
₹ 459,166
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹613,162.
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