Increase your SIP by 10% every year and create 60% more wealth than a flat SIP. See the difference instantly.
Extra wealth by stepping up SIP annually
— more than flat SIP
A Step Up SIP (also called Top Up SIP) is a type of Systematic Investment Plan where you increase your monthly investment by a fixed percentage every year. If you invest ₹10,000/month and set a 10% annual step-up, you invest ₹11,000 in Year 2, ₹12,100 in Year 3, and so on.
Why it works: Most Indians get a salary hike of 8–15% every year. By channeling even a part of that hike into investments, you prevent lifestyle inflation from consuming your entire income growth.
| Scenario | Monthly SIP | 20 Year Corpus | Total Invested |
|---|---|---|---|
| Flat SIP (No increase) | ₹10,000 | ₹99.9 Lakh | ₹24 Lakh |
| Step Up 10%/year | ₹10K → ₹67K (Yr 20) | ₹1.52 Crore | ₹68.7 Lakh |
| Step Up 5%/year | ₹10K → ₹25K (Yr 20) | ₹1.19 Crore | ₹39.7 Lakh |
At 12% returns. Actual results depend on market performance. Past returns not guaranteed.
1. Log in to your mutual fund app (Groww, Zerodha, ET Money, MF Central). 2. Create a new SIP. 3. Look for "Step Up" or "Top Up" option. 4. Enter your step-up percentage (10% recommended). 5. Your SIP amount will automatically increase every year on the anniversary date.