EMI vs SIP for ₹500,000
24 Years @ 12%
Original Plan
24 Years @ 12%
EMI: ₹ 5,302
Extended Plan
29 Years (Reduced EMI)
EMI: ₹ 5,162
Monthly Savings
₹ 140
SIP Investment
@ 12% for 29 years
₹ 437,335
Extra Interest Paid
₹ 269,354
Final Outcome
₹ 167,981
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹437,335.
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