EMI vs SIP for ₹600,000

18 Years @ 8%

Original Plan

18 Years @ 8%

EMI: ₹ 5,250

Extended Plan

23 Years (Reduced EMI)

EMI: ₹ 4,761

Monthly Savings

₹ 489

SIP Investment

@ 12% for 23 years

₹ 720,414

Extra Interest Paid

₹ 180,006

Final Outcome

₹ 540,408

Profit from SIP strategy

Analysis

For ₹600,000 loan at 8%, investing savings can generate ₹720,414.

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