Watch & Learn
Step-Up SIP or regular SIP: what changes when contributions grow
A regular SIP holds the contribution flat for the life of the goal. A Step-Up SIP raises it on a set schedule, so the plan grows with income instead of being frozen at the income you had when you started.
Inderpreet Kaur, Brand Communication Team·30 September 2025·1 minute 08 seconds
What this covers
Most SIPs are sized against today's affordability and then left untouched for a decade. Income usually rises over that period; the contribution does not. The gap between the two is the quiet reason many goals fall short of their requirement.
A step-up removes the need to remember. The increase is scheduled rather than decided each year, which is what makes it survive the years when other things feel more urgent.
A contribution that never grows is a plan sized for the income you have already outgrown.
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