SWP VS FD FOR REGULAR INCOME

When investors start a Systematic Investment Plan (SIP), they often maintain a static monthly amount. However, as household income grows through annual raises and career progression, your investment allocation should scale proportionally.

A Step-Up SIP automatically increases your contribution annually. For example, a base SIP of ₹10,000 at 12% return yields approximately ₹50.4 Lakhs in 15 years. With a 10% annual step-up, that figure jumps to ₹88.7 Lakhs—representing a massive boost in capital accumulation.