A very simple solution to the question.
Below we show a very simple comparison between an individual who invests Rs. 25,000 per year in PPF @ 8% when he is 25 years for 10 years versus and another individual who invests DOUBLE the amount when he is 35 years, again for 10 years.
Assuming they both hold the amounts invested till they retire at the age of 60 years, we let the number do the talking:
START INVESTING EARLY
Not only has the early starter multiplied his investment by 11.57 times compared to just 5.36 times, even his total corpus on retirement is higher by Rs. 2,12,962.