SIP Delay Cost – A Shocking Truth

Introduction

 We often think: “I’ll start my SIP next year, once I’m financially stable.”
But delaying your SIP by even 3–5 years could mean losing out on lakhs of potential returns — even if your monthly amount is the same.

Let’s explore how costly SIP procrastination really is, with a relatable real-life example.

The Math Behind SIP Delay

SIPs thrive on time and compounding. The earlier you start, the more your money multiplies — even with the same monthly amount. 

 Real-Life Example: Aman vs. Neha

• Aman started a SIP of ₹5,000/month at age 25 and continued till age 45 (20 years).
• Neha started the same SIP at age 30 — only 5 years later — and also invested for 20 years.

  Why This Happens It’s not just about the number of years — it's about how compounding accelerates in later years. Delaying SIPs means you miss those powerful compounding years at the end.

Conclusion

Waiting even a few years to start your SIP can cost you big.

Begin your SIP journey today — even ₹500 is a start. Let compounding do the heavy lifting.

Summary Table: SIP Start Timing vs Final Corpus (12% CAGR)