EMI vs SIP for ₹500,000
30 Years @ 12%
Original Plan
30 Years @ 12%
EMI: ₹ 5,143
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 5,078
Monthly Savings
₹ 65
SIP Investment
@ 12% for 35 years
₹ 424,233
Extra Interest Paid
₹ 281,152
Final Outcome
₹ 143,081
Profit from SIP strategy
Analysis
For ₹500,000 loan at 12%, investing savings can generate ₹424,233.
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