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What does a ₹5,000/month step-up SIP grow to in 15 years with 10% annual increments?
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Calculate how a ₹5,000/month SIP that increases by 10% every year grows over 15 years — showing how salary-linked step-ups dramatically boost your final corpus.
Why Step-Up SIP Beats Flat SIP
A flat ₹5,000 monthly SIP for 15 years at 12% returns gives about ₹25 lakh. A step-up SIP starting at ₹5,000 and growing 10% annually for the same 15 years gives about ₹41 lakh — 65% more, for the simple reason that you invest more each year as your income rises.
This matches how Indian salaries actually move. A fresher on ₹6 LPA today typically earns ₹15-20 LPA in 10 years — investing the same ₹5,000 throughout would mean saving a smaller fraction of income each year. Step-up SIPs convert salary growth into corpus growth automatically.
Most mutual fund apps (Groww, Zerodha Coin, Paytm Money, Kuvera) support step-up SIPs natively — you set the start amount, the annual percentage increase, and the duration; the system raises your contribution on the same SIP date each year. For first-time investors who fear committing too much upfront, this is a more honest version of “invest as much as you can”: start small, grow with your income, end with significantly more.