{"id":469,"date":"2026-04-09T12:25:32","date_gmt":"2026-04-09T06:55:32","guid":{"rendered":"https:\/\/prodigypro.co.in\/blog\/?p=469"},"modified":"2026-08-14T15:55:55","modified_gmt":"2026-08-14T10:25:55","slug":"sip-vs-step-up-sip-explained","status":"publish","type":"post","link":"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/","title":{"rendered":"SIP vs Step Up SIP Explained: A Complete Guide to Smarter Investing"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-1024x576.webp\" alt=\"SIP vs Step Up SIP\" class=\"wp-image-470\" srcset=\"https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-1024x576.webp 1024w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-300x169.webp 300w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-768x432.webp 768w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-1536x864.webp 1536w, https:\/\/prodigypro.co.in\/blog\/wp-content\/uploads\/2026\/04\/SIP-vs-Step-Up-SIP-2048x1152.webp 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Every mutual fund investor eventually asks the same question: <em>should I stick to a fixed monthly SIP, or increase it every year?<\/em> Both approaches can help you build long-term wealth through disciplined, rupee-cost-averaged investing; however, they behave very differently over a 10-, 15-, or 20-year horizon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we break down <strong>SIP vs Step Up SIP<\/strong> in simple language  what each one means, and how to decide which strategy fits your income, goals, and risk appetite. Whether you&#8217;re starting your first \u20b9100 SIP or enhancing an existing portfolio, this comparison will help you invest with clarity.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#Overview\" >Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#What_Is_a_SIP_Systematic_Investment_Plan\" >What Is a SIP (Systematic Investment Plan)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#What_Is_a_Step-Up_SIP_Top-Up_SIP\" >What Is a Step-Up SIP (Top-Up SIP)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#SIP_vs_Step_Up_SIP_Key_Differences_at_a_Glance\" >SIP vs Step Up SIP: Key Differences at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#SIP_vs_Step_Up_SIP_Real_Return_Comparison\" >SIP vs Step Up SIP: Real Return Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#Which_One_Should_You_Choose_SIP_or_Step_Up_SIP\" >Which One Should You Choose: SIP or Step Up SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#Conclusion\" >Conclusion<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#What_is_an_SIP\" >What is an SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#What_is_a_Step-Up_SIP\" >What is a Step-Up SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#What%E2%80%82are_the_benefits_of_SIP\" >What\u2002are the benefits of SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#How_exactly_does_a%E2%80%82Step-Up_SIP_work_for_inflation\" >How exactly does a\u2002Step-Up SIP work for inflation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prodigypro.co.in\/blog\/sip-vs-step-up-sip-explained\/#SIP_or%E2%80%82Step-Up_SIP_Which_one_should_I_choose\" >SIP or\u2002Step-Up SIP: Which one should I choose?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview\"><\/span><strong>Overview<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In a regular SIP, you invest the same fixed amount every month throughout the investment period.&nbsp; On the contrary, in a Step-Up SIP, you start with a fixed amount, but increase it by a set percentage at regular intervals, usually every year.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Step-Up SIP can help you build a much larger corpus than a regular SIP by increasing your investment over time. And do you know what the cherry on top is? An increase in your income.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_SIP_Systematic_Investment_Plan\"><\/span><strong>What Is a SIP (Systematic Investment Plan)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund scheme at regular intervals\u2014usually monthly. Instead of investing a lump sum at once or trying to time the market, you invest smaller, consistent amounts, which:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Builds a savings habit through automated and disciplined investing.&nbsp;<\/li>\n\n\n\n<li>Uses rupee cost averaging to spread your purchases across different market levels you buy more units when prices are low and fewer when prices are high.<\/li>\n\n\n\n<li>Harnesses the power of compounding, where your returns can generate further returns when they remain invested over time.<\/li>\n\n\n\n<li>Requires<a href=\"https:\/\/www.investopedia.com\/articles\/trading\/07\/market_timing.asp\" rel=\"nofollow noopener\" target=\"_blank\"> <strong>no market-timing expertise<\/strong><\/a><strong> &#8211; <\/strong>you invest regularly without having to predict whether the market will rise or fall.<strong>&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For most first-time investors, a regular SIP is the easiest entry point into mutual fund investing, and <a href=\"https:\/\/app.prodigypro.co.in\/\">platforms like ProdigyPro<\/a> let you start a SIP with as little as \u20b9100.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_Step-Up_SIP_Top-Up_SIP\"><\/span><strong>What Is a Step-Up SIP (Top-Up SIP)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Step Up SIP is a variation of a regular SIP that allows investors to invest the same amount every month for years; you start with a comfortable figure and increase it periodically usually once a year either by a fixed percentage (e.g., 10%) or a fixed amount (e.g., \u20b91,000).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example:<\/strong> You start a Step-Up SIP at \u20b95,000\/month. If you choose a 10% annual step up, your monthly investment becomes roughly \u20b95,500 in Year 2, \u20b96,050 in Year 3, and so on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The logic is simple: as your salary or income grows, your investment should grow with it. A Step Up SIP aligns your mutual fund contributions with your career growth, helping you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Build a larger corpus over time by increasing your investments as your income grows.&nbsp;<\/li>\n\n\n\n<li>Attain your financial goals sooner\u2014whether it&#8217;s a down payment for a house, a child&#8217;s education, or <a href=\"https:\/\/prodigypro.co.in\/calculators\/retirement-calculator\">retirement&nbsp;<\/a><\/li>\n\n\n\n<li>Keep your investments aligned with your rising income, instead of keeping your SIP amount static even as your earnings increase.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIP_vs_Step_Up_SIP_Key_Differences_at_a_Glance\"><\/span><strong>SIP vs Step Up SIP: Key Differences at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Regular SIP<\/strong><\/td><td><strong>Step Up SIP<\/strong><\/td><\/tr><tr><td>Investment amount<\/td><td>Fixed throughout the tenure.<\/td><td>Increases at regular intervals (usually yearly).<\/td><\/tr><tr><td>Best suited for<\/td><td>Investors with stable, unchanging income.<\/td><td>Salaried professionals expecting annual increments.<\/td><\/tr><tr><td>Impact of inflation<\/td><td>Real investment value may erode over time.<\/td><td>Keeps pace with rising income and inflation.<\/td><\/tr><tr><td>Final corpus (same tenure)<\/td><td>Lower, since contribution never grows.<\/td><td>Higher, due to increasing contributions.<\/td><\/tr><tr><td>Discipline required<\/td><td>Moderate  set and forget.<\/td><td>Slightly higher \u2014 needs annual review or auto step up setup.<\/td><\/tr><tr><td>Flexibility<\/td><td>Simple, predictable.<\/td><td>Customisable step up rate (%) or amount (\u20b9).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIP_vs_Step_Up_SIP_Real_Return_Comparison\"><\/span><strong>SIP vs Step Up SIP: Real Return Comparison<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Numbers make understanding the comparison between a regular SIP and a Step-Up SIP easier than you&#8217;d think. Therefore, here&#8217;s precise data on how a&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Regular SIP<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly investment: \u20b95,000 (fixed for 10 years).<\/li>\n\n\n\n<li>Total amount invested: \u20b96,00,000.<\/li>\n\n\n\n<li>Estimated future value: <strong>\u2248 \u20b910,07,288.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Step Up SIP<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly investment: \u20b95,000, increased by 10% every year.<\/li>\n\n\n\n<li>Total amount invested over 10 years: \u2248 \u20b99,50,245.<\/li>\n\n\n\n<li>Estimated future value: <strong>\u2248 \u20b914,90,286.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even though the Step Up SIP requires you to invest roughly \u00a0\u20b93.5 lakh more over the decade, it generates nearly <strong>\u20b94.8 lakh more in returns<\/strong> than the regular SIP. This is the compounding advantage of investing more\u00a0 as your income grows \u2014the additional contributions made earlier get more time in the market to compound.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Note: These figures are illustrative and based on an assumed rate of return. Actual mutual fund returns are market-linked and may vary. Use ProdigyPro&#8217;s<\/em><a href=\"https:\/\/prodigypro.co.in\/calculators\"><em> <\/em><em>Step-Up SIP Calculator<\/em><\/a><em> to model your own numbers.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_One_Should_You_Choose_SIP_or_Step_Up_SIP\"><\/span><strong>Which One Should You Choose: SIP or Step Up SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s no universal &#8220;better&#8221; option \u2014 it depends on your financial stage and cash flow:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Choose a Regular SIP if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re just starting your investment journey and want a simple, predictable commitment.<\/li>\n\n\n\n<li>Your income is fixed or irregular (freelancer, business owner with variable cash flow)..<\/li>\n\n\n\n<li>You prefer manual control over when and how much you invest more.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Choose a Step Up SIP if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re a salaried professional who receives annual increments or bonuses.<\/li>\n\n\n\n<li>You want your investments to keep pace with inflation and lifestyle inflation automatically.<\/li>\n\n\n\n<li>You&#8217;re investing for a long-term, high-value goal (retirement, child&#8217;s education, buying a home) and want to close the gap faster.<\/li>\n\n\n\n<li>You want a set-it-and-forget-it strategy that scales with your earning potential.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Many investors also use a hybrid approach start with a regular SIP when income is limited, then switch to a Step Up SIP once earnings stabilise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both SIP and Step-Up SIP are built on the same foundation: consistency, discipline, and the power of compounding.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The right choice comes down to your current income pattern, future earning potential, and financial goals. Whichever path you choose, starting early and staying invested matters more than the strategy itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to put this into action?<\/strong> With ProdigyPro, you can start a SIP with just \u20b9100, set up a Step-Up SIP in a few taps, and track your entire portfolio in one place \u2014 backed by two decades of research-driven, SEBI-registered investment advisory.<a href=\"https:\/\/prodigypro.co.in\/\"> Start your SIP today<\/a> or speak to a <a href=\"tel:+91-522-3514141\">ProdigyPro relationship manager<\/a> to design a step-up plan around your goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Disclaimer: This article is for educational purposes only and does not constitute investment advice. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered investment adviser before investing.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div ><style>#sp-ea-468 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-468.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-468.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-468.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-468.sp-easy-accordion>.sp-ea-single {background: #7c8cff;}#sp-ea-468.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1775712152\"><div id=\"sp-ea-468\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What_is_an_SIP\"><\/span><a class=\"collapsed\" id=\"ea-header-4680\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse4680\" aria-controls=\"collapse4680\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> What is an SIP?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse4680\" data-parent=\"#sp-ea-468\" role=\"region\" aria-labelledby=\"ea-header-4680\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">If you want to invest in mutual funds, you can do so through an SIP,\u2002or Systematic Investment Plan, in which you invest a fixed amount at regular intervals.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What_is_a_Step-Up_SIP\"><\/span><a class=\"collapsed\" id=\"ea-header-4681\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse4681\" aria-controls=\"collapse4681\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is a Step-Up SIP?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse4681\" data-parent=\"#sp-ea-468\" role=\"region\" aria-labelledby=\"ea-header-4681\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">A Step-Up SIP raises your investment corpus regularly (generally\u2002once a year) to accommodate your growing income.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What%E2%80%82are_the_benefits_of_SIP\"><\/span><a class=\"collapsed\" id=\"ea-header-4682\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse4682\" aria-controls=\"collapse4682\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What\u2002are the benefits of SIP?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse4682\" data-parent=\"#sp-ea-468\" role=\"region\" aria-labelledby=\"ea-header-4682\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">SIP ensures consistent savings, provides\u2002cost averaging, and builds discipline for long-term investing.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"How_exactly_does_a%E2%80%82Step-Up_SIP_work_for_inflation\"><\/span><a class=\"collapsed\" id=\"ea-header-4683\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse4683\" aria-controls=\"collapse4683\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> How exactly does a\u2002Step-Up SIP work for inflation?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse4683\" data-parent=\"#sp-ea-468\" role=\"region\" aria-labelledby=\"ea-header-4683\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">A step-up SIP allows you to increase your investment along\u2002with your income gradually and hence, it counteracts inflation.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"SIP_or%E2%80%82Step-Up_SIP_Which_one_should_I_choose\"><\/span><a class=\"collapsed\" id=\"ea-header-4684\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse4684\" aria-controls=\"collapse4684\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> SIP or\u2002Step-Up SIP: Which one should I choose?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse4684\" data-parent=\"#sp-ea-468\" role=\"region\" aria-labelledby=\"ea-header-4684\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Opt for an SIP if you want to stick to a standard investment method or a\u2002Step-Up SIP if you assume a raise in your income and, therefore, plan to save more.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer: <\/strong>This article is for educational purposes only and does not intend to substitute expert guidance. Mutual fund investments are subject to market risks. Please read the scheme-related document carefully before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every mutual fund investor eventually asks the same question: should I stick to a fixed monthly SIP, or increase it every year? Both approaches can help you..<\/p>\n","protected":false},"author":1,"featured_media":470,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/comments?post=469"}],"version-history":[{"count":2,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/469\/revisions"}],"predecessor-version":[{"id":807,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/469\/revisions\/807"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media\/470"}],"wp:attachment":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media?parent=469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/categories?post=469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/tags?post=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}