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In a world filled with financial influencers, bold claims, and screenshots of booming small-cap returns, many Indians believe one simple idea: “If I run an SIP, I will eventually become wealthy.”
But when numbers meet reality, most people discover that their long-running SIP is not enough to reach the big goals they dream of. A closer look using an SIP calculator reveals how a step-up SIP can impact your corpus over a long-term period.
Consider a typical disciplined investor who contributes ₹28,000 per month and has a ₹4 lakh lump sum already invested. With a 20-year horizon and an assumed 11% annual return, the plan may look strong at first.
But the SIP calculator shows a different picture:
If you simultaneously invest a lump sum amount of ₹4,00,000 for 20 years and receive an annual interest rate of 11%, you will still accumulate only ₹28,24,925. In this case, your total corpus will amount to roughly ₹2.73 crore.
The total looks large, but for ambitious goals such as financial independence or large retirement targets, the gap remains significant. And this is exactly where most SIP investors unknowingly fall short; not because they picked the wrong funds, but because they never increased their SIP.
A small, systematic step-up turns an average wealth plan into a powerful one, without adding new funds upfront or taking higher risks. Instead of increasing the SIP amount immediately, try to increase the SIP by just 10% every year. In this case:
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Most people start an SIP early in their careers and then forget to increase it as their income rises. Over time, this creates a silent gap between expectations and reality. However, a Step-Up SIP ensures contributions grow along with earnings, keeps goals within reach, and prevents the unpleasant surprise many investors discover years later.
Anyone serious about long-term wealth should not rely only on a fixed SIP. Use an SIP calculator, test a step-up, and see how much faster the journey towards big goals becomes.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Published on: Nov 23, 2025, 9:00 AM IST
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