What does a ₹3,000 SIP with an aggressive 20% annual step-up grow to in 20 years?
A ₹3,000 monthly SIP stepped up 20% every year, at an assumed 12% return, grows to about ₹1,44,12,822 in 20 years — ₹67,20,768 invested, ₹76,92,054 in estimated returns.
How this grows over time
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, so your contributions grow in line with your income — this typically builds a meaningfully larger corpus than a flat SIP of the same starting amount, since later years contribute more while still benefiting from long compounding on the earlier, smaller instalments.
Also known as an incremental SIP or top-up SIP — same idea, different names people search for it by.