Key takeaways
✓
Step-up SIP automatically increases your investment by a fixed % each year✓
10% annual step-up mirrors typical salary growth — sustainable without sacrifice✓
₹5,000/month SIP with 10% step-up produces ~2× more than flat ₹5,000 over 20 years✓
Most platforms support step-up setup directly — takes 2 minutes✓
Even 5% annual step-up makes a significant long-term differenceFlat SIP vs 10% step-up SIP — 20 year comparison
₹930L
₹5,000/month with 10% annual step-up
₹490L
₹5,000/month flat for 20 years
₹ in lakhs at 12% CAGR. Step-up SIP nearly doubles final corpus.
💡
Why 10% step-up is sustainable and not a sacrifice
Year 1: ₹5,000/month from a ₹50,000 salary = 10% of income
Year 5: ₹7,320/month from a ₹73,000 salary (8% annual raise) = 10% of income
Year 10: ₹10,720/month from a ₹1,07,000 salary = 10% of income
The investment as a percentage of your income stays nearly constant. You are not sacrificing lifestyle — you are preventing your savings rate from eroding as your income grows.
Step-up SIP vs flat SIP — 20 years at 12% CAGR
Set up step-up SIP in 2 minutes
1
On Kuvera
Open your existing SIP → Edit → Enable 'Step Up' → enter 10% annually → Save. Done.
2
On Coin (Zerodha)
Go to SIP details → Modify SIP → Step-up SIP option → set 10% annual → Confirm.
3
Manual reminder (any platform)
If platform doesn't support step-up: set a calendar reminder every April 1. Log in, increase SIP by 10%. Takes 2 minutes. Better than not doing it.
⚠Educational content only. Numbers shown are illustrative — actual returns vary. This is not investment advice. Consult a SEBI-registered financial advisor before investing.
Join the discussion
Questions, thoughts, or personal experiences — all welcome.
Be specific — it helps others.
Loading...