Planning tool
Home Loan vs SIP
Compare illustrative home-loan EMI outflows with investing a chosen SIP amount over the same tenure at an assumed return. Not advice.
Your assumptions
₹
100000100000000
yrs
130
%
120
₹
500500000
%
120
Monthly EMI
₹43,391
Total loan repayment
₹1,04,13,879
Total SIP invested
₹1,04,13,840
Illustrative SIP maturity
₹3,99,13,531
Combined outflow (loan + SIP)
₹2,08,27,719
Illustrative values over time
Assumptions used
- Home loan amount₹50,00,000
- Loan / SIP tenure20 yrs
- Loan interest rate8.5 %
- Monthly SIP amount₹43,391
- Assumed SIP return12 %
How to read this
EMI uses a nominal monthly rate; SIP maturity uses the effective monthly rate convention of our other tools.
Side-by-side numbers are illustrative — not a recommendation to borrow or invest.
Actual outcomes may differ. This calculation is not a promise or guarantee of any result.
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