Step-Up SIP vs Regular SIP — Side-by-Side Comparison

Over 20 years at 12%, ₹5,000 flat SIP = ₹49.96 lakh. ₹5,000 with 10% step-up = ₹96.75 lakh — nearly double! The step-up invests more as income grows, supercharging compounding.

Initial Monthly SIP (₹)

Expected Return (% p.a.)

Investment Period (years)

Annual Step-Up (%)

Total Invested

₹9,56,245

Estimated Returns

₹7,30,918

Total Value

₹16,87,163

Step-Up SIP increases your monthly investment by 10% each year — matching typical salary increments to significantly boost your final corpus versus a flat SIP.

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Calculated with CalcHub

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Common questions about Step-Up SIP vs Regular SIP — Side-by-Side Comparison

Is step-up SIP better than regular SIP?

Yes, for most salaried investors. If your income grows 8-10% annually, a step-up SIP matches your lifestyle while dramatically increasing your corpus. Over 20 years, a 10% step-up can nearly double the corpus compared to a flat SIP.