Cost of Delay Calculator
Starting a SIP even a few years late can reduce the final corpus noticeably. Compare an illustrative SIP started now with the same SIP started after a delay.
Illustrative result
Cost of delaying
₹29.58 L
Value if started now
₹91.99 L
Value if started later
₹62.41 L
Growth over time
Results are illustrative only and not a guarantee of returns.
Calculators
Both SIPs end on the same date. The delayed SIP invests for fewer years, so there is less time for compounding. The difference is the cost of delay.
Frequently asked questions
Does starting late mean I should invest more?
You can increase the monthly amount or use a step-up SIP to partly make up the difference. Try different values to see the effect.
Is it too late to start?
It is never too late to begin; the best time to start is today with an amount you can sustain.
Talk to us about your plan
A short, no-obligation conversation with our team in Jamnagar, or online for NRI families.