What a step-up SIP is
Instead of investing the same ₹10,000 every month for 20 years, you increase the amount by, say, 10% every year - matching your salary growth.
Year 1: ₹10,000/month. Year 2: ₹11,000. Year 3: ₹12,100. By year 20, your monthly SIP has grown organically alongside your income.
Why it works so well
Most people's incomes grow over time, but their SIPs stay frozen at the amount they set in year one. A step-up SIP fixes that lag automatically.
Over 20 years at 12% returns, a flat ₹10,000 SIP becomes ~₹1 crore. The same SIP stepped up 10% annually becomes ~₹1.8 crore - for almost no extra mental effort.
- Set your SIP step-up to match your annual appraisal.
- Even a 5% step-up beats flat - don't skip it because 10% feels too much.
- Most fund houses now offer step-up as a one-click option.
Frequently asked questions
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