Missing Just 3 SIP EMIs Can Cost You 2 Crores: Understand the Investment Formula

• Many Indian investors miss SIP EMIs for 2-3 months due to unforeseen expenses, believing the loss is minimal.
• SIP rules allow pausing and restarting EMIs, leading investors to underestimate the long-term impact of missed payments.
• Missing a 20,000 rupee SIP for just three months (60,000 rupees) can result in a loss of 50 lakh to 1 crore rupees over time.
• A single missed SIP creates a permanent gap, preventing compounding benefits for the missed amount over the entire investment period.
• A 3-month gap in a 20,000 rupee SIP over 30 years can reduce the final corpus from 7 crore to 5 crore, a loss of 1.5 to 2 crore rupees.

Why It Matters: Even short breaks in SIPs can lead to substantial long-term financial losses due to missed compounding benefits.