EMI vs SIP for ₹500,000
22 Years @ 9%
Original Plan
22 Years @ 9%
EMI: ₹ 4,356
Extended Plan
27 Years (Reduced EMI)
EMI: ₹ 4,116
Monthly Savings
₹ 240
SIP Investment
@ 12% for 27 years
₹ 585,413
Extra Interest Paid
₹ 183,513
Final Outcome
₹ 401,900
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹585,413.
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