EMI vs SIP for ₹500,000
30 Years @ 9%
Original Plan
30 Years @ 9%
EMI: ₹ 4,023
Extended Plan
35 Years (Reduced EMI)
EMI: ₹ 3,920
Monthly Savings
₹ 103
SIP Investment
@ 12% for 35 years
₹ 669,975
Extra Interest Paid
₹ 198,065
Final Outcome
₹ 471,911
Profit from SIP strategy
Analysis
For ₹500,000 loan at 9%, investing savings can generate ₹669,975.
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