How to Achieve Financial Goals Faster with Step-Up SIPs in 2025?

Step Up Systematic Investment Plan or Step Up SIP is a dynamic and flexible investment approach that empowers you to gradually increase your contribution towards funds over time. This helps you to achieve your long-term financial goals. This concise guide discusses the key steps to implement Step-Up SIPs effectively, empowering you to achieve your financial milestones faster and with greater efficiency.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 22.04 19.07 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 17.6 15.98 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.75 17.31 15.48 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.72 15.11 15.03 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 15.94 14.91 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 16.19 14.78 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.54 16.24 14.5 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.11 14.35 14.36 %

View Fund

Instant tax receipt

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.3 14.46 14.29 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.17 15.89 14.19 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,771

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.15 17.6 15.98 %

View Fund

Virtue II

AUM (Cr)

₹3,352

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.75 17.31 15.48 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹448

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.72 15.11 15.03 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,767

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.18 16.19 14.78 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.54 16.24 14.5 %

View Fund

Diversified Equity Fund

AUM (Cr)

₹3,688

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.3 14.46 14.29 %

View Fund

Future Apex Fund

AUM (Cr)

₹113

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.17 15.89 14.19 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,547

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.31 14.46 13.65 %

View Fund

Growth Super Fund

AUM (Cr)

₹13,252

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.24 13.96 13.59 %

View Fund

Equity Fund

AUM (Cr)

₹82,996

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.52 13.25 12.48 %

View Fund

High Growth Fund

AUM (Cr)

₹12,085

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 26.3 22.04 19.07 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,958

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 20.53 15.94 14.91 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,748

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.11 14.35 14.36 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,602

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.04 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,051

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.16 15.85 15.21 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹14,008

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.58 14.88 13.81 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,621

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.31 14.77 13.3 %

View Fund

Flexi Cap

AUM (Cr)

₹1,145

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.07 14.67 13.2 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹542

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.85 13.07 11.84 %

View Fund

Asset Allocation

AUM (Cr)

₹268

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.73 10.81 11.18 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹818

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.72 7.35 7.6 %

View Fund

Debt Fund

AUM (Cr)

₹506

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.43 7.52 7.44 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹172

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.96 7.25 %

View Fund

Steady Money Fund

AUM (Cr)

₹73

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.45 6.97 7.14 %

View Fund

Bond Fund

AUM (Cr)

₹119

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.87 6.94 7.12 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹184

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.65 6.57 7.02 %

View Fund

Debt Fund

AUM (Cr)

₹92

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.29 6.98 6.97 %

View Fund

Bond Fund

AUM (Cr)

₹18,103

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.31 6.83 6.95 %

View Fund

Secure Fund

AUM (Cr)

₹1,026

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.75 6.8 6.92 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹931

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 17.04 16.97 15.85 %

View Fund

Balanced Fund

AUM (Cr)

₹367

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.49 11.51 10.9 %

View Fund

Balanced Fund

AUM (Cr)

₹5,476

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.37 10.73 10.57 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹67

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.64 10.13 10.39 %

View Fund

Creator

AUM (Cr)

₹482

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.85 10.41 10.39 %

View Fund

Balanced Fund

AUM (Cr)

₹22,439

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.5 10.35 10.25 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹281

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.62 10.52 10.23 %

View Fund

Balancer II

AUM (Cr)

₹835

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.68 10.79 10.15 %

View Fund

Growth Fund

AUM (Cr)

₹7,398

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.25 10.47 10.03 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.59 9.91 9.81 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

Introduction of Step-Up SIP

Step-up SIPs are a progressive alternative to conventional SIPs. Step-Up SIPs are a game-changer in the realm of systematic investing. This strategy enables individuals to start with a lower investment and systematically raise their contribution at predefined intervals, often linked to salary increments or other financial milestones. This progressive approach aligns with your income growth, allowing you to capitalise on enhanced earning potential.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Pension SBI Life Rating	14.59%	13.74%	13.12% View Plan
Opportunities Fund HDFC Life Rating	20.53%	15.94%	14.91% View Plan
High Growth Fund Axis Max Life Rating	26.3%	22.04%	19.07% View Plan
Bluechip Fund ICICI Prudential Life Rating	13.82%	13.29%	12.31% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.04% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	17.11%	14.35%	14.36% View Plan
Multiplier Birla Sun Life Rating	19.01%	16.28%	15.8% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	13.24%	11.67%	11.32% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	15.2%	-	14.8% View Plan

Fund rating powered by

Last updated: Nov 2025

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Last updated: Nov 2025

Compare more funds

Buying the Dip Results in Higher Returns

How to Achieve Financial Goals Faster with Step-Up SIPs in 2025?

To achieve faster financial goals with Step-up SIP, you need to keep in mind the following key points:

Customize SIPs to Financial Goals

Linking your SIPs to specific financial goals is the key to success. With step-up SIPs, you can customize your investment plan to align with short-term and long-term objectives, ensuring a tailored approach to wealth creation.
Start SIPs Early for Maximum Returns:

Begin your SIPs as soon as you start earning. Starting early allows your investments to benefit from compounding over a longer period, increasing the probability of higher returns. For instance, starting a SIP at 25 can result in a significantly larger corpus compared to starting at 35.
Diversification

Diversifying your SIP portfolio helps you protect your invested amount against market volatility. By allocating funds across various asset classes, such as equities, debt, and index funds, you mitigate risks and optimize returns.
Strategic Asset Allocation

Strategic asset allocation involves setting a predefined structure for your portfolio based on your financial objectives and risk tolerance. By aligning your investments with your goals, you establish a roadmap that guides your SIP journey. The optimal asset allocation model is dynamic, adapting to market changes while maintaining a stable foundation.

People Also Read: Best SIP Plans
Tactical Fund Selection

Choosing the right funds is pivotal in optimising SIP returns. Conducting thorough research on fund performance, expense ratios, and historical trends empowers you to make informed decisions. Consider the following factors when selecting funds:
- Consistent Performance: Analyze historical returns and fund manager expertise.
- Expense Ratios: Opt for funds with lower expense ratios to maximise your returns.
- Risk Assessment: Evaluate the risk profile of each fund and align it with your risk tolerance
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Regular Review and Rebalancing

Successful SIP management requires ongoing evaluation and adjustment. Regularly reviewing your portfolio's performance and rebalancing allocations ensures that your investments stay aligned with your goals. Use the following steps to streamline this process:
- Review Fund Performance: Assess the returns and consistency of each fund.
- Adjust Asset Allocation: Reallocate funds based on changes in market conditions.
- Stay Informed: Stay abreast of economic indicators and market trends.
Avoid Market Timing, Stick to SIPs:

Never skip SIPs by attempting to time the market. Market fluctuations are unpredictable, and timing them accurately is challenging. SIPs provide the advantage of Rupee Cost Averaging, allowing you to buy more units when the market is down and benefiting from market upswings in the long run.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹1.03 Cr

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.12%

Equity Pension

15.49%

Global Equity Index Funds Strategy

19.1%

Pension Growth Super

13.3%

Opportunities Fund

21.04%

Multi Cap Fund

14.36%

Accelerator Mid-Cap Fund II

15.8%

Multiplier

14.78%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.32%

Equity II Fund

14.8%

US Equity Fund

15.21%

Growth Opportunities Plus Fund

11.84%

Equity Top 250 Fund

14.19%

Future Apex Fund

12.15%

Pension Dynamic Equity Fund

14.53%

Pension Enhanced Equity

Benefits of Step-Up SIPs

The key benefits of investing through a Step Up SIP investment plan are mentioned in the following list:

Tailored to Your Financial Growth

Step-Up SIPs are designed to mirror your evolving financial stature. As your income rises, so does your investment capacity. This personalised strategy ensures that your financial goals stay within reach, adapting seamlessly to the dynamic nature of your earnings.
Beat Inflation with Incremental Investments

In a world where the cost of living is ever-increasing, beating inflation is crucial. Step-Up SIPs empower you to combat inflation effectively by escalating your investment contributions. Stay ahead of the financial curve and preserve the true value of your money.
Harness Compounding for Exponential Growth

The power of compounding is amplified with Step-Up SIPs. By consistently increasing your investment, you not only capitalise on compounding but supercharge it. This compounding effect can lead to exponential wealth growth over time, making your financial dreams a reality sooner than you imagined. It is suggested to use step-up sip calculator to get the estimate of earnings on your SIP investments.

Conclusion

Leveraging Step-Up SIPs in 2025 provides a strategic pathway to achieve your financial goal faster. By customising SIPs to specific objectives, starting early, diversifying portfolios, and adopting a disciplined approach, you can harness the benefits of incremental investments and compounding. The simplicity of sticking to SIPs, avoiding market timing, and enjoying tailored financial growth makes Step-Up SIPs a powerful tool for realising financial aspirations sooner.

FAQ's

What happens if I invest Rs. 20000 a month in SIP for 10 years?
Investing Rs. 20,000 per month in a SIP for 10 years can be a great way to accumulate wealth over time, but the exact outcome depends on several factors:
- Rate of return
- Type of SIP (equity, debt, or hybrid funds)
- Investment horizon
- Taxes
- Market volatility
How much is Rs. 50000 monthly SIP for 5 years?
Let us calculate the future value of an investment of Rs. 50000 monthly SIP investment for 5 years.
The future value (FV) of an investment with a constant monthly deposit can be calculated using the following formula:
- FV = P * [(1 + r/n)^(n*t) - 1] / (r/n)
Where:
- P is the monthly deposit amount (Rs. 50000)
- r is the annual interest rate (assumed to be 12% for this example)
- n is the number of compounding periods per year (monthly in this case, so n = 12)
- t is the investment term in years (5 years)
Substituting the values into the formula, we get:
- FV = 50000 * [(1 + 0.12/12)^(12*5) - 1] / (0.12/12)
- ≈ Rs. 41 lakhs
How can I build long-term wealth with Step-up SIP?
Here is how Step-up SIP can help you achieve your financial goals:
- Set realistic goals
- Choose an appropriate fund
- Start small and scale up your investments
- Regularly evaluate your SIP performance and adjust the step-up percentage

How to Achieve Financial Goals Faster with Step-Up SIPs in 2025?

Best SIP Funds

Introduction of Step-Up SIP

How to Achieve Financial Goals Faster with Step-Up SIPs in 2025?

Customize SIPs to Financial Goals

Start SIPs Early for Maximum Returns:

Diversification

Strategic Asset Allocation

Tactical Fund Selection

Regular Review and Rebalancing

Avoid Market Timing, Stick to SIPs:

SIP Calculator

Benefits of Step-Up SIPs

Tailored to Your Financial Growth

Beat Inflation with Incremental Investments

Harness Compounding for Exponential Growth

Conclusion

FAQ's

What happens if I invest Rs. 20000 a month in SIP for 10 years?

How much is Rs. 50000 monthly SIP for 5 years?

How can I build long-term wealth with Step-up SIP?

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