EMI vs SIP for ₹500,000
23 Years @ 7%
Original Plan
23 Years @ 7%
EMI: ₹ 3,650
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 3,398
Monthly Savings
₹ 252
SIP Investment
@ 12% for 28 years
₹ 693,930
Extra Interest Paid
₹ 134,454
Final Outcome
₹ 559,476
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹693,930.
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