EMI vs SIP for ₹500,000
29 Years @ 8%
Original Plan
29 Years @ 8%
EMI: ₹ 3,700
Extended Plan
34 Years (Reduced EMI)
EMI: ₹ 3,571
Monthly Savings
₹ 129
SIP Investment
@ 12% for 34 years
₹ 742,377
Extra Interest Paid
₹ 169,333
Final Outcome
₹ 573,044
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹742,377.
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