EMI vs SIP for ₹500,000
5 Years @ 8%
Original Plan
5 Years @ 8%
EMI: ₹ 10,138
Extended Plan
10 Years (Reduced EMI)
EMI: ₹ 6,066
Monthly Savings
₹ 4,072
SIP Investment
@ 12% for 10 years
₹ 946,042
Extra Interest Paid
₹ 119,674
Final Outcome
₹ 826,369
Profit from SIP strategy
Analysis
For ₹500,000 loan at 8%, investing savings can generate ₹946,042.
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