Calculate the power of Step-up SIP with annual increments. See how increasing your SIP amount annually can help you build a larger corpus and beat inflation effectively.
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Percentage by which SIP amount increases annually
Why Step-up SIP is a smarter investment strategy
Annual increments help your investments keep pace with inflation
Potentially generate significantly higher corpus compared to regular SIP
Reach your financial goals faster with systematic increment strategy
Choose your own annual increment percentage as per your income growth
Step-up SIP is an advanced investment strategy that automatically increases your SIP amount annually, helping you combat inflation and accelerate wealth creation.
SIP(n) = Initial SIP × (1 + Step-up Rate)^(n-1)Example: ₹5,000 SIP with 10% annual step-up for 15 years
Begin your SIP with a comfortable monthly amount, just like regular SIP. Choose an amount that fits your current income.
Choose your annual step-up percentage (typically 5-15%). This should align with your expected salary growth and inflation rate.
Every year, your SIP amount automatically increases by the chosen percentage, requiring no manual intervention.
Higher investments in later years benefit from remaining investment period, creating significantly larger corpus than regular SIP.
The ideal step-up percentage is typically 5-15% annually, depending on your income growth expectations. Conservative investors can choose 5-7%, while those expecting higher salary increments can opt for 10-15%.
Yes, most fund houses allow you to modify the step-up percentage. You can increase, decrease, or even disable the step-up feature by submitting a request form or through online platforms.
If you cannot afford the stepped-up amount in any year, you can pause the increment for that year or reduce the step-up percentage. Most AMCs provide flexibility to accommodate changing financial situations.
Step-up SIP typically generates higher returns than regular SIP due to increased investments over time. It's particularly beneficial for long-term goals and helps maintain the real value of investments against inflation.
Step-up typically happens on the anniversary date of your SIP registration. For example, if you started SIP in January, the step-up will occur every January thereafter.
Most leading mutual fund companies offer step-up SIP facility. However, availability may vary across different schemes and AMCs. Check with your fund house or distributor for specific scheme availability.
Most fund houses allow step-up percentages starting from 5% annually. Some may have different minimum thresholds, typically ranging from 5% to 10%. There's usually no maximum limit on step-up percentage.
Yes, you can set up step-up SIP across multiple mutual fund schemes to diversify your portfolio. Each SIP can have different step-up percentages based on your investment strategy and goals.
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Calculate regular SIP returns with standard monthly investments. Perfect for beginners starting their investment journey.
Calculate Regular SIP →Compare one-time lumpsum investments with your step-up SIP strategy for optimal returns.
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