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Start Early: How 10 Years of Delay Can Cost Crores

Compounding means your returns earn their own returns. It works slowly at first and then very fast, which is why time matters more than the amount.

Two investors, same monthly amount

Both invest ₹10,000 a month until age 60, assuming a 12% yearly return.

Ravi invests only ₹12 lakh less, yet ends with about ₹4.6 crore less. The extra years let the money compound longer.

Be careful with assumptions

A 12% return is an assumption, not a promise. With a lower return the gap is smaller, but starting early still wins. Use the Compound Interest Calculator to test different rates.

What to do if you started late

• Increase your SIP every year.
• Invest bonuses and windfalls.
• Delay retirement by a few years if possible.
• Check your numbers with the Retirement Calculator.

The best time to start was years ago. The next best time is this month.