Guides / Step-up SIP: How a 10% Yearly Increase Changes Everything

Step-up SIP: How a 10% Yearly Increase Changes Everything

1 Oct 2026

Your salary will probably grow every year. A step-up SIP raises your monthly investment by a fixed percentage as your income grows.

The difference in numbers

Assume ₹10,000 a month, a 12% yearly return and 20 years.

PlanTotal investedEstimated value
Flat SIP of ₹10,000₹24 lakh₹99.9 lakh
10% yearly step-up₹68.7 lakh₹1.99 crore

The step-up plan invests about 2.9 times as much money and ends with about twice the corpus. It asks you to put in more, but the increase is small each year: ₹11,000 in year 2, ₹12,100 in year 3, and so on.

How to use it

  1. Pick a step-up that matches your usual salary hike, often 5% to 10%.
  2. Set it up in your fund platform if it offers a top-up option, or raise the SIP manually every April.
  3. Do not stretch yourself. A smaller step-up you keep is better than a large one you drop.

Try your own numbers in the Step-up SIP Calculator. These are estimates, not guaranteed returns.

Try the Step-up SIP Calculator