EMI vs SIP for ₹500,000
25 Years @ 12%
Original Plan
25 Years @ 12%
EMI: ₹ 5,266
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 5,143
Monthly Savings
₹ 123
SIP Investment
@ 12% for 30 years
₹ 434,383
Extra Interest Paid
₹ 271,666
Final Outcome
₹ 162,717
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹434,383.
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