EMI vs SIP for ₹500,000
28 Years @ 12%
Original Plan
28 Years @ 12%
EMI: ₹ 5,183
Extended Plan
33 Years (Reduced EMI)
EMI: ₹ 5,099
Monthly Savings
₹ 84
SIP Investment
@ 12% for 33 years
₹ 427,532
Extra Interest Paid
₹ 277,748
Final Outcome
₹ 149,784
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹427,532.
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