Cost of a 2 Year Delay on a Rs 25,000 Monthly SIP over 15 Years
See how even a short 2 year delay affects a larger Rs 25,000 monthly SIP over a 15 year horizon at 12% expected return.
Waiting 2 years to start a ₹25,000/month SIP over a 15 year horizon costs you ₹32,16,121 (25.5%) in lost maturity value.
- Monthly investment
- ₹25,000
- Expected return
- 12% p.a.
- Total horizon
- 15 years
- Delay before starting
- 2 years
Cost of delay
2 yrs delay₹32.16 Lakhs
₹32,16,121
25.5% less than starting today
Value if started now
₹1.26 Crore
₹1,26,14,400
Value if delayed
₹93.98 Lakhs
₹93,98,279
Monthly needed to catch up
₹33,
Extra required each month
₹8,
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Assumes a constant 12% annual return, compounded monthly, applied uniformly across the entire period, whether started today or after the delay. Actual investment returns fluctuate and are never guaranteed.