EMI vs SIP for ₹500,000
26 Years @ 9%
Original Plan
26 Years @ 9%
EMI: ₹ 4,154
Extended Plan
31 Years (Reduced EMI)
EMI: ₹ 3,998
Monthly Savings
₹ 155
SIP Investment
@ 12% for 31 years
₹ 620,414
Extra Interest Paid
₹ 191,380
Final Outcome
₹ 429,034
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹620,414.
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