EMI vs SIP for ₹600,000
21 Years @ 8%
Original Plan
21 Years @ 8%
EMI: ₹ 4,923
Extended Plan
26 Years (Reduced EMI)
EMI: ₹ 4,576
Monthly Savings
₹ 347
SIP Investment
@ 12% for 26 years
₹ 746,391
Extra Interest Paid
₹ 187,097
Final Outcome
₹ 559,294
Profit from SIP strategy
Analysis
For ₹600,000 loan at 8%, investing savings can generate ₹746,391.
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