Your SIP should grow with your salary
A small annual increase compounds into a very different outcome.
Step-Up SIP
Raise it a little every year
Most people get an annual raise. Very few raise their SIP with it.
Your corpus would be
₹16,87,163
versus ₹11,61,695 if you never increased it
Total invested
₹9,56,245
Estimated returns
₹7,30,918
Final year monthly
₹11,790
Stepping up earns you ₹5,25,468 more than a flat SIP.
* Returns shown are illustrative, not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Common questions
What is a step-up SIP?
A SIP where the monthly contribution rises by a set percentage each year, usually to match your salary increase.
What step-up percentage should I choose?
10% a year is a common choice because it roughly tracks a typical annual raise, so your take-home pay never feels the difference.
Can I set this up automatically?
Yes. Most schemes support an automatic annual step-up so you never have to remember to raise it.