Step-up SIP (also called Top-up SIP) is an enhanced version of regular SIP where the monthly investment amount automatically increases by a fixed percentage at the end of each investment year.
**How it works**: If you start a ₹5,000/month SIP with 10% annual step-up:
The wealth multiplication effect
Regular ₹5,000 SIP for 20 years at 12%:
₹5,000 SIP with 10% step-up for 20 years at 12%:
The step-up strategy generates 3× the wealth for 2.9× the investment — a significantly better return per rupee invested.
**Why step-up works so well**: The additional investment in later years has compounding operating on a larger base, creating an accelerating wealth effect.
**How to set up**: Most major platforms (Zerodha Coin, Groww, Paytm Money) support automatic step-up during SIP setup. You select the step-up percentage (typically 5%, 10%, or 15%) and it auto-executes annually.
Choosing the right step-up percentage
Use our [Step-Up SIP Calculator](/) to model different step-up percentages for your investment amount and goal.