Investment Guide
Step-Up SIP Guide — Top-Up SIP Calculation India 2026
📈 Calculate Step-Up SIP Returns
See how annual increment multiplies your wealth vs flat SIP.
Open Calculator →What is Step-Up SIP?
Step-Up SIP (also called Top-Up SIP) automatically increases your monthly SIP amount by a fixed percentage each year. As your salary grows, so does your investment. This simple feature can more than double your final corpus compared to a flat SIP.
The Power of 10% Annual Step-Up
| Starting SIP | Step-Up | Duration | Regular SIP | Step-Up SIP |
|---|---|---|---|---|
| Rs.5,000 | 10% | 10 years | Rs.11.6L | Rs.16.1L (+39%) |
| Rs.5,000 | 10% | 20 years | Rs.49.9L | Rs.1.28 crore (+156%) |
| Rs.10,000 | 15% | 25 years | Rs.1.9 crore | Rs.7.8 crore (+310%) |
How to Set Up Step-Up SIP
- SBI MF / HDFC MF / ICICI MF apps: Select "Top-Up SIP" while creating new SIP
- Zerodha Coin / Groww / Kuvera: Step-up option in SIP creation flow
- AMC website: Most fund houses support step-up SIP setup online
- Set increment: Usually 10% or fixed amount (e.g. Rs.500/year) — percentage is more powerful
Best Funds for Long-Term Step-Up SIP
- Nifty 50 Index Fund (lowest expense ratio, tracks market)
- Flexi Cap Funds (fund manager freedom across market caps)
- Mid Cap Index Fund (for higher growth potential, higher risk)
- ELSS Fund (if 80C benefit still relevant in old regime)
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