EMI vs SIP for ₹500,000
25 Years @ 7%
Original Plan
25 Years @ 7%
EMI: ₹ 3,534
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 3,327
Monthly Savings
₹ 207
SIP Investment
@ 12% for 30 years
₹ 732,046
Extra Interest Paid
₹ 137,376
Final Outcome
₹ 594,670
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹732,046.
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