Key Takeaway
A step-up SIP increases your monthly investment by 10% each year in line with salary growth. A ₹10,000 step-up SIP grows to ₹1.97 crore in 20 years at 12% , versus ₹1.0 crore from a flat SIP.
5,000
10%
1%12.5%25%
Total Invested (Step-up)
19,06,349
Step-Up Future Value
43,41,925
Regular SIP Value
25,22,880
Regular SIP vs. Step-Up SIP Growth Curves
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Frequently Asked Questions
What is a Step-Up SIP?
A Step-Up SIP automatically increases your monthly investment by a fixed percentage (usually 10-15%) every year. This aligns your investments with salary hikes and dramatically accelerates wealth creation.
How much difference does Step-Up make?
A regular ₹10,000 SIP for 20 years at 12% gives ₹1 Crore. A Step-Up SIP starting at ₹10,000 with 10% annual increase gives ₹2.3 Crore , more than double. The annual increase makes a massive difference.
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