A person investing ₹15,000/month for 20 years will get estimated returns of ₹1.02 crore on an investment of ₹36 lakh at annual growth rate 12%, generating a corpus of ₹1.38 crore. If the person starts a year late, the SIP of ₹15,000 will generate a corpus of ₹1.21 crore in 19 years. The investor loses out on ₹17 lakh.