EMI vs SIP for ₹600,000

7 Years @ 9%

Original Plan

7 Years @ 9%

EMI: ₹ 9,653

Extended Plan

12 Years (Reduced EMI)

EMI: ₹ 6,828

Monthly Savings

₹ 2,825

SIP Investment

@ 12% for 12 years

₹ 910,447

Extra Interest Paid

₹ 172,369

Final Outcome

₹ 738,078

Profit from SIP strategy

Analysis

For ₹600,000 loan at 9%, investing savings can generate ₹910,447.

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