Three investors.
Same SIP: ₹20,000/month
Same fund: Franklin Flexicap Fund
Only difference? When they started.

📈 Started 15 years ago → ₹1.36 Cr
📈 Started 10 years ago → ₹58 Lakhs
📈 Started 5 years ago → ₹20 Lakhs

Same effort. Same discipline. But the earlier start made all the difference.

Why?
Because in wealth creation, it’s not just the amount — it’s the duration of compounding that drives results.

💡 The earliest investor bought more units when NAVs were as low as ₹434. Today, the NAV is ₹1639.
That’s Rupee Cost Averaging in action: More units at lower prices = higher growth.

Breakdown of investments:
💰 5 years = ₹12L invested → ₹20L
💰 10 years = ₹24L invested → ₹58L
💰 15 years = ₹36L invested → ₹1.36 Cr

That’s a ₹1.2 Cr difference.
Not because of SIP size — but because of time in the market.

The real cost of delay? Not ₹20K/month.
It’s ₹1.2 Cr in lost compounding potential.

SIP success isn’t about perfection. It’s about consistency and patience.

Because in long-term investing, time is the real alpha.
Based on actual SIP data from Franklin Flexicap Fund (Franklin Templeton India)