Step-up SIP, Flex SIP and Smart SIP

Mon, 18 May 2026 00:00:00 +0000

Step-up SIP (also marketed by various AMCs as Flex SIP or Smart SIP) is a Systematic Investment Plan (SIP) variant that automatically increases the periodic contribution by a specified rupee or percentage amount on each anniversary of the SIP start date. The step-up mechanism is designed to align mutual fund contributions with the investor’s typical income growth over a working career, ensuring that the savings rate keeps pace with rising earnings rather than remaining static at an initial level set at SIP inception.

SIP Variant on WebNotes

Step-up SIP, Flex SIP and Smart SIP