How to set up step-up SIP (top-up SIP) for mutual funds

Tue, 19 May 2026 00:00:00 +0000

Step-up SIP (also called top-up SIP) is the single most important SIP setup decision after the initial amount: it automates annual increases in line with your expected income growth. The compounding effect over 15-20 years is dramatic.

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Step-up SIP (Top-up SIP)

Tue, 12 May 2026 00:00:00 +0000

A step-up SIP (also called a top-up SIP) is a variant of the Systematic Investment Plan (SIP) in which the periodic instalment amount automatically increases by a fixed sum (absolute step-up) or a fixed percentage (percentage step-up) at specified intervals, typically annually. The increment is registered at the time of SIP creation and is applied without requiring the investor to submit a fresh instruction each time.

Step-up SIPs are designed for investors who expect their income and savings capacity to grow over time, allowing their investment to scale in alignment with their earnings trajectory.

Top-Up SIP on WebNotes

How to set up step-up SIP (top-up SIP) for mutual funds

Step-up SIP (Top-up SIP)