What a five-year delay really costs
Picture two people who both stop at the same age. One starts ₹15,000 a month 20 years before that. The other waits five years and gets only 15. At 12% a year, the first is estimated to end with about ₹1,49,87,219. The second ends near ₹75,68,640, almost exactly half.
The late starter puts in just ₹9,00,000 less, yet ends roughly ₹74 lakh behind. At this SIP size, every year of waiting is expensive.
Frequently asked questions
How much will ₹15,000 SIP give in 20 years?
About ₹1,49,87,219, or nearly ₹1.5 crore, at an assumed 12% a year. You invest ₹36,00,000 and the rest, around ₹1,13,87,219, is estimated returns. Actual returns may differ.
Can ₹15,000 a month make me a crorepati?
On paper, yes, within 20 years. At 12% a year the estimate passes ₹1 crore somewhere between year 15 (₹75,68,640) and year 20 (₹1,49,87,219). Remember that ₹1 crore then will buy less than ₹1 crore today.
What if I step up ₹15,000 SIP by 10% a year?
Over 15 years the estimate rises from ₹75,68,640 to about ₹1,30,25,774. Total investment becomes about ₹57,19,047, and the SIP reaches about ₹56,962 a month in the 15th year, so it needs strong income growth.
How much is ₹15,000 SIP worth after 5 years?
About ₹12,37,296 at 12% a year, from ₹9,00,000 invested. Over such a short period, a market fall can wipe out much of the ₹3,37,296 estimated gain, so don't rely on it for near-term needs.
