EMI vs SIP for ₹500,000
22 Years @ 7%
Original Plan
22 Years @ 7%
EMI: ₹ 3,717
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 3,439
Monthly Savings
₹ 278
SIP Investment
@ 12% for 27 years
₹ 677,524
Extra Interest Paid
₹ 132,940
Final Outcome
₹ 544,584
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹677,524.
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