EMI vs SIP for ₹500,000
21 Years @ 7%
Original Plan
21 Years @ 7%
EMI: ₹ 3,792
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 3,484
Monthly Savings
₹ 308
SIP Investment
@ 12% for 26 years
₹ 662,910
Extra Interest Paid
₹ 131,392
Final Outcome
₹ 531,518
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹662,910.
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