EMI vs SIP for ₹500,000
26 Years @ 8%
Original Plan
26 Years @ 8%
EMI: ₹ 3,813
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 3,641
Monthly Savings
₹ 172
SIP Investment
@ 12% for 31 years
₹ 687,348
Extra Interest Paid
₹ 164,702
Final Outcome
₹ 522,646
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹687,348.
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