Step-Up SIP — Grow Your Investment With Your Income
A Step-Up SIP means increasing your SIP amount by a fixed percentage every year. As your salary grows, your investment grows too.
Step-Up SIP vs Regular SIP (Starting ₹5,000/month, 12% returns)
| Type | 20 Years Value | 25 Years Value |
|---|---|---|
| Regular SIP (₹5,000 fixed) | ₹49.96 lakh | ₹94.88 lakh |
| Step-Up 5%/year | ₹69.45 lakh | ₹1.43 crore |
| Step-Up 10%/year | ₹95.38 lakh | ₹2.12 crore |
| Step-Up 15%/year | ₹1.29 crore | ₹3.12 crore |
Just increasing your SIP by 10% every year can turn ₹94 lakh into ₹2.12 crore! That is more than double.
How to Set Up Step-Up SIP
Most mutual fund platforms like Groww, Zerodha, and Kuvera offer automatic step-up SIP options. Simply set the annual increase percentage and it adjusts automatically every year.
Plan your step-up SIP with our calculator.