Step-Up SIP (also called Top-Up SIP) automatically increases your monthly SIP amount every year by a fixed percentage — typically 10–20%. It aligns with salary hikes and dramatically boosts your final corpus through accelerated compounding.

What tax applies on SIP returns?

Equity SIP held over 1 year: 12.5% LTCG on gains above ₹1.25 lakh/year (FY 2025-26). Held under 1 year: 20% STCG. ELSS SIP qualifies for 80C deduction up to ₹1.5L/year under old tax regime.

SIP Calculator India 2025-26 — Mutual Fund Returns

Q: What is the minimum SIP amount in India?

Most mutual funds allow SIP from ₹500/month. Some funds allow as low as ₹100/month through platforms like Zerodha Coin and Groww. There is no maximum SIP limit.

Q: Is SIP better than FD?

For long-term goals (5+ years), SIP in equity mutual funds historically delivers 12–15% CAGR vs FD's 6–7.5%. SIP has market risk but far outperforms FD over long periods. FD is better for short-term goals or risk-averse investors.

📅 SIP

💰 Lump Sum

📈 Step-Up

🎯 Target

Monthly SIP Amount min ₹500

₹

₹500

₹1K

₹5K

₹10K

₹25K

₹50K

Expected Annual Return

Large cap ~12% · Mid cap ~15%12.0%

1%30%

Investment Period

Longer = more compounding power15 yrs

1 yr40 yrs

Maturity Value

—

at end of investment period

Total Invested

—

Returns Earned

—

Wealth Multiple

—

Annual Avg Return

—

Growth Over Time

Returns Invested

Portfolio Composition

Invested—

Returns—

Maturity—

🔥 Inflation-adjusted (6%/yr): — in today’s money

Year-by-Year Breakdown

Year	Invested	Returns	Total Value

SIP vs PPF vs FD

Option	Rate	Maturity	Tax	Risk

Returns are projections based on assumed constant CAGR. Actual mutual fund returns vary and are not guaranteed. Past performance does not guarantee future results.

SIP — Frequently Asked Questions

What is the minimum SIP amount in India?+

Most mutual funds allow SIP from ₹500/month. Some platforms like Zerodha Coin and Groww allow ₹100/month SIPs. There is no maximum SIP limit — you can invest any amount.

Is SIP better than FD for long-term goals?+

For goals of 5+ years, SIP in equity mutual funds has historically delivered 12–15% CAGR vs FD’s 6–7.5%. ₹5,000/month SIP at 12% for 20 years = ₹49.96 lakh vs FD = ~₹30 lakh. SIP carries market risk but significantly outperforms over long periods.

What is Step-Up SIP and why use it?+

Step-Up SIP automatically increases your monthly investment by a set % each year. Example: ₹5,000 SIP with 10% annual step-up over 20 years = ₹1.29 Cr vs ₹49.96L with flat SIP. Aligns perfectly with salary hikes. One of the most powerful wealth-building strategies.

What is the tax on SIP returns in FY 2025-26?+

Equity SIP held over 1 year: 12.5% LTCG on gains above ₹1.25 lakh/year (revised in Budget 2024). Held under 1 year: 20% STCG. ELSS SIP qualifies for 80C deduction up to ₹1.5L/year under old tax regime only.

Can I stop or pause my SIP?+

Yes. You can pause a SIP for 1–3 months, reduce the amount, or stop it anytime — no penalty. Units already purchased remain invested. You can restart anytime. Some funds have a minimum SIP tenure of 6 months.

📈 SIP Power — ₹5K/month at 12%

5 years~₹4.1 L

10 years~₹11.6 L

20 years~₹49.9 L

25 years~₹94.9 L

30 years~₹1.76 Cr

🎯 SIP to reach ₹1 Crore at 12%

In 10 years₹43,000/mo

In 15 years₹16,000/mo

In 20 years₹10,000/mo

In 25 years₹5,300/mo

In 30 years₹2,800/mo

📌 Related Calculators

ELSS CalculatorCalculate →

PPF CalculatorCalculate →

NPS CalculatorCalculate →

FD CalculatorCalculate →

Income TaxCalculate →

SIP Calculator India 2025-26 — Mutual Fund Returns & Step-Up SIP

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — typically monthly. SIP uses rupee cost averaging: you buy more units when prices are low and fewer when high, reducing the impact of market volatility over time.

Power of SIP — Real Numbers at 12% CAGR

Monthly SIP	Years	Invested	Maturity	Wealth Multiple
₹5,000	10 yrs	₹6L	₹11.6L	1.9x
₹5,000	20 yrs	₹12L	₹49.9L	4.2x
₹5,000	30 yrs	₹18L	₹1.76 Cr	9.8x
₹10,000	20 yrs	₹24L	₹99.9L	4.2x
₹25,000	25 yrs	₹75L	₹4.75 Cr	6.3x

SIP vs PPF vs FD — Which is Better?

Investment	Expected Return	Risk	Tax	Liquidity
SIP (Equity MF)	12–15% CAGR	Market risk	12.5% LTCG >₹1.25L	High (T+1)
PPF	7.1% p.a.	Zero	Tax-free (EEE)	Low (15 yr lock)
FD	6.5–7.5%	Zero	Full slab rate	Medium
ELSS SIP	12–14% CAGR	Market risk	12.5% LTCG + 80C benefit	Low (3 yr lock)

What is rupee cost averaging in SIP?

Rupee cost averaging means you invest the same fixed amount every month regardless of market levels. When markets fall, you automatically buy more units at lower prices. When markets rise, you buy fewer but more valuable units. Over time this averages out your purchase cost and reduces the risk of timing the market.

How is Step-Up SIP more powerful than regular SIP?

With ₹5,000/month flat SIP at 12% for 20 years, you get ~₹49.9L. With ₹5,000 starting SIP with 10% annual step-up at 12% for 20 years, you get ~₹1.12 Cr — more than double! The compounding effect of increasing your SIP amount year after year is enormous. It also naturally aligns with annual salary hikes.

SIP Calculator India

SIP Calculator India 2025-26 — Mutual Fund Returns & Step-Up SIP

Power of SIP — Real Numbers at 12% CAGR

SIP vs PPF vs FD — Which is Better?

Ready to Start Your SIP?