Step-Up SIP — ₹10,000 Starting, 10% Annual Top-Up
A ₹10,000 monthly step-up SIP (10% yearly raise) at 12% for 15 years grows to ₹86.84 L. See invested and gains.
Quick answer
Starting at ₹10,000/month and raising your SIP by 10% every year, at a 12% expected return over 15 years, your corpus grows to about ₹86.84 L. You'd have invested roughly ₹38.13 L, with about ₹48.71 L in gains. Stepping up is one of the highest-impact SIP habits.
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₹ 500₹ 5,00,000
%
0%50%
%
1%30%
yrs
1 yrs40 yrs
Estimated maturity value
₹86,83,849
- Total invested
- ₹38,12,698
- Est. returns
- ₹48,71,152
Invested vs returns
- Invested43.9%
- Returns56.1%
Frequently asked questions
Long-run equity return benchmarks
| Nifty 50 TRI (10-yr CAGR) | ~13.5% |
| Equity MF (long-run est.) | 12% – 14% |
| Hybrid MF (est.) | 9% – 11% |
| Debt MF (est.) | 6% – 8% |
Indicative rates compiled from public bank websites, RBI, and the Ministry of Finance for reference only. Actual rates depend on credit profile, tenure and product variant — confirm with the lender before applying.
Other popular calculations
More ready-made scenarios for step-up sip calculator.
Step-Up SIP — ₹5,000 Starting, 10% Annual Top-Up
A ₹5,000/month step-up SIP (10% yearly raise) at 12% for 15 years grows to ₹43.42 L.
Step-Up SIP — ₹15,000 Starting, 10% Annual Top-Up
A ₹15,000/month step-up SIP (10% yearly raise) at 12% for 15 years grows to ₹1.30 Cr.
Step-Up SIP — ₹25,000 Starting, 10% Annual Top-Up
A ₹25,000/month step-up SIP (10% yearly raise) at 12% for 15 years grows to ₹2.17 Cr.