Most Indian investors start a SIP with a fixed monthly sum and leave it running at that same amount for years. However, your earning potential does not remain static — salaries increase with annual appraisals, and business profits expand with economic growth.
A Step-Up SIP (also known as a Top-Up SIP) is an automated facility that systematically increases your monthly investment contribution by a specified percentage (e.g., 10%) or a fixed sum (e.g., ₹1,000) once every year.
Here is the empirical proof of its efficacy: Consider an initial monthly SIP of ₹15,000 over a 20-year horizon at an assumed 12% return. A regular, static SIP accumulates roughly ₹1.49 Crores. In contrast, if you add a 10% annual top-up, your accumulated corpus reaches an astonishing ₹2.65 Crores — an additional ₹1.16 Crores of wealth created with painless incremental contributions!
By activating an automated Step-Up mandate through our digital MidasX investor portal, the increment occurs automatically in tandem with your annual appraisal month, ensuring you invest your bonus and salary raises before lifestyle inflation consumes them.
