EMI vs SIP for ₹500,000
22 Years @ 8%
Original Plan
22 Years @ 8%
EMI: ₹ 4,031
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 3,771
Monthly Savings
₹ 259
SIP Investment
@ 12% for 27 years
₹ 632,309
Extra Interest Paid
₹ 157,779
Final Outcome
₹ 474,531
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹632,309.
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