EMI vs SIP for ₹500,000
25 Years @ 9%
Original Plan
25 Years @ 9%
EMI: ₹ 4,196
Extended Plan
30 Years (Reduced EMI)
EMI: ₹ 4,023
Monthly Savings
₹ 173
SIP Investment
@ 12% for 30 years
₹ 610,212
Extra Interest Paid
₹ 189,526
Final Outcome
₹ 420,686
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹610,212.
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