₹10,000 SIP: flat vs 10% annual step-up over 15 years
Compare a flat ₹10,000 SIP with the same starting SIP that rises 10% every year—invested amounts and maturities side by side.
Illustrative result
Assumptions: ₹10,000/month · 12.00% p.a. · 15 years · step-up comparison at 10.00%/yr. Not a guarantee.
Total invested (flat)
₹18,00,000
Est. maturity (flat)
₹49,95,802
Wealth gained (flat)
₹31,95,802
Step-up: total invested
₹38,12,698
Step-up: est. maturity
₹85,97,871
How to read this
Step-ups raise both contributions and ending corpus if you can sustain them. The gap is not “free return”—it is mostly higher savings plus compounding on those extras.
Only step up when cash flow allows. Open the Step-Up SIP calculator to try 5% vs 10% increases.
Related guides
Scenario path /sip/10000-flat-vs-10pct-step-up-15-years · Aaru Wealth. Educational estimates only.