EMI vs SIP for ₹500,000
30 Years @ 7%
Original Plan
30 Years @ 7%
EMI: ₹ 3,327
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 3,194
Monthly Savings
₹ 132
SIP Investment
@ 12% for 35 years
₹ 858,874
Extra Interest Paid
₹ 144,054
Final Outcome
₹ 714,820
Profit from SIP strategy
Analysis
For ₹500,000 loan at 7%, investing savings can generate ₹858,874.
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