EMI vs SIP for ₹500,000
21 Years @ 11%
Original Plan
21 Years @ 11%
EMI: ₹ 5,094
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 4,866
Monthly Savings
₹ 229
SIP Investment
@ 12% for 26 years
₹ 491,999
Extra Interest Paid
₹ 234,301
Final Outcome
₹ 257,697
Profit from SIP strategy
Analysis
For ₹500,000 loan at 11%, investing savings can generate ₹491,999.
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