India Finance
Step-Up SIP vs Flat SIP: How a 10% Annual Increase Builds ₹1.06 Crore vs ₹49.9 Lakh
India's monthly SIP inflows hit ₹29,845 crore in February 2026 — a 15% year-on-year increase — confirming that systematic investing is now mainstream. But most investors run a flat SIP: the same amount every month for years, never adjusting for salary growth. A step-up SIP, where you increase contributions by 10% each April, builds ₹1.06 crore in 20 years starting from ₹5,000/month — versus ₹49.9 lakh for a flat SIP. The difference is ₹56.1 lakh on the same starting amount. We explain the maths, the optimal step-up percentage, and how to implement it today.