How much difference does a step-up SIP make?

Lesson 9 of 28 · Raise your SIP every year · 3 min read · Reviewed 15 Oct 2026

Quick answer

A step-up SIP rises by a fixed share every year, usually in line with your pay. ₹10,000 a month for 20 years at 12% grows to about ₹1 crore. Raising it 10% each year takes it to about ₹2 crore.

Most people start a SIP and never change the amount, while their salary rises every year.

A step-up raises the SIP by a set percentage each year. Most fund houses and apps let you set this once, so it happens on its own.

Key idea: Match the step-up to your pay rise. If your salary rises 8%, a 10% step-up still leaves room to spend more.

Try the calculator and the one-question quiz on this page to check your own numbers.

Common questions

Can I set a step-up on an existing SIP?

Many fund houses let you add one; others need a new SIP with the step-up option. Check with your fund house or platform.

What step-up is sensible?

Between 5% and 15% a year, close to your expected pay rise.

Can I pause the step-up?

You can stop or cancel a SIP and start a new one at any amount. There is no penalty for changing a SIP.

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For learning only, not investment advice. Designed and built by people who have worked at India’s leading wealth management firms.