EMI vs SIP for ₹500,000
23 Years @ 10%
Original Plan
23 Years @ 10%
EMI: ₹ 4,636
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 4,440
Monthly Savings
₹ 196
SIP Investment
@ 12% for 28 years
₹ 540,976
Extra Interest Paid
₹ 212,263
Final Outcome
₹ 328,713
Profit from SIP strategy
Analysis
For ₹500,000 loan at 10%, investing savings can generate ₹540,976.
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