Published May 27, 2026 4 Min Read

Introduction

A regular SIP keeps your investment amount fixed, while a step up SIP increases your SIP amount at set intervals, usually every year. A step up SIP can help you build a larger corpus over long periods if your income grows regularly.

  • A regular SIP invests the same amount every month into a mutual fund scheme.
  • A step up SIP automatically increases your SIP by a fixed percentage or amount each year.
  • SIP investments start from Rs. 100 per month on the Bajaj Broking website.
  • Investors can choose from 4,000+ mutual fund schemes across equity, debt, hybrid, ELSS, and thematic categories.
  • A SIP calculator on the Bajaj Broking website helps estimate your future corpus based on tenure, return expectation, and yearly top-up amount.
  • SEBI requires all mutual fund schemes to display a colour-coded riskometer ranging from Low to Very High risk.

Start your mutual fund investment journey on the Bajaj Broking website — complete KYC online, explore 4,000+ schemes, and begin a SIP from Rs. 100 per month.

What is a regular SIP?


A regular SIP is a method of investing a fixed amount into a mutual fund scheme at regular intervals, usually monthly. Your SIP amount stays the same throughout the investment period unless you manually change it.

When you invest through SIP, you receive mutual fund units based on the applicable NAV of the scheme on the investment date. NAV stands for Net Asset Value, which is the price per unit of a mutual fund scheme calculated daily after market close.

A regular SIP may suit you if your monthly income is stable and you want predictable investing.

FeatureRegular SIP
SIP amountFixed throughout tenure
Investment frequencyMonthly, quarterly, or chosen interval
Suitable forStable income earners
Investment startRs. 100 per month on the Bajaj Broking website

What is a step up SIP?

A step up SIP, also called SIP top up, is a SIP where your investment amount increases automatically at regular intervals. Most investors choose a yearly increase linked to salary growth or rising savings capacity.

For example, you may start with Rs. 5,000 per month and increase it by 10% every year. This means your SIP becomes Rs. 5,500 in the second year and continues increasing annually.

A step up SIP helps you invest more without making a large jump at the beginning. Over long periods, the higher contribution can significantly increase your investment corpus because more money stays invested for longer.

FeatureStep-up SIP
SIP amountIncreases automatically
Increase frequencyUsually yearly
Suitable forInvestors with growing income
Common top-up optionFixed amount or percentage increase

How does step up SIP compare with regular SIP?

A step up SIP vs regular SIP comparison mainly depends on how your income changes over time and how much corpus you want to build.

A regular SIP gives stability because your monthly contribution remains fixed. A step up SIP increases your investment gradually, which may help you match inflation and future financial goals.

FeatureRegular SIPStep-up SIP
Monthly contributionFixedIncreases periodically
FlexibilityLowerHigher
Corpus potentialModerateHigher over long periods
Suitable forFixed incomeRising income
Investment disciplineSimpleRequires long-term planning
Inflation adjustmentNo automatic increaseBuilt-in increase option

A step up SIP calculator can help you estimate how much additional corpus you may build by increasing your SIP yearly. The SIP calculator available on the Bajaj Broking website allows you to test different top-up percentages and investment periods.

Mutual fund returns are market-linked and not guaranteed. Past performance does not guarantee future results.

Why should you step up your SIP?


Your income may increase over time because of salary hikes, business growth, or career progression. A step up SIP helps you increase investments gradually without creating financial pressure.

A higher SIP amount may improve your long-term wealth creation because more money stays invested across market cycles.

Common benefits of a SIP top up

  • Helps you align investments with rising income
  • May reduce the impact of inflation on long-term goals
  • Builds a larger corpus without a big starting SIP
  • Encourages disciplined investing habits
  • Useful for long-term goals like retirement or education planning

Example of SIP top up growth

Investment detailRegular SIPStep-up SIP
Starting SIPRs. 5,000Rs. 5,000
Annual increaseNo increase10% yearly
Investment tenure20 years20 years
Estimated corpus potentialLowerHigher

The actual corpus depends on market performance, investment tenure, and the mutual fund scheme selected. SEBI requires all schemes to display a riskometer showing risk levels from Low to Very High.

Which SIP option may suit you better?

The choice between a regular SIP and a step up SIP depends on your income pattern, financial goals, and investment comfort.

A regular SIP may suit you if you want a fixed monthly commitment and stable cash flow planning. A step up SIP may suit you if you expect your income to rise and want to increase investments gradually.

You may prefer a regular SIP if:

  • Your monthly income is fixed
  • You are starting your first SIP
  • You want simple budgeting
  • You prefer fixed investment commitments

You may prefer a step up SIP if:

  • Your salary increases regularly
  • You are investing for long-term goals
  • You want your investments to beat inflation over time
  • You want to increase wealth creation gradually

The Bajaj Broking website offers SIP and lumpsum investment options across equity, debt, hybrid, ELSS, and thematic mutual fund categories. KYC is mandatory before investing, as required by SEBI regulations.

Conclusion

A regular SIP keeps your investment amount fixed, while a step up SIP increases your SIP contribution at regular intervals. A step up SIP may help build a bigger corpus over long investment periods if your income grows steadily.

You can use a SIP top up strategy to gradually increase your investments without starting with a very high monthly amount. Before investing, check the scheme’s SEBI-mandated riskometer, investment objective, and holding period.

The Bajaj Broking website allows you to explore 4,000+ mutual fund schemes, complete KYC online, and start SIP investments from Rs. 100 per month.

Frequently asked questions

When should you step up your SIP?

You can step up your SIP when your income increases because of salary hikes, business growth, or reduced expenses. A yearly SIP increase of 5% to 15% is commonly used by investors planning long-term goals. A step up SIP vs regular SIP comparison usually shows that increasing your SIP gradually may help build a larger corpus over long periods.

Can you start with a low SIP and still reach a big goal using step ups?

Yes. You can start with a small SIP amount and increase it regularly through a SIP top up option. SIP investments start from Rs. 100 per month on the Bajaj Broking website. A yearly increase in your SIP amount may improve your long-term corpus without requiring a very large initial investment.

How does a Step-Up SIP work, and why should you consider it?

A Step-Up SIP automatically increases your SIP amount at fixed intervals, usually every year. For example, your SIP can rise by 10% annually based on your chosen top-up setting. The Bajaj Broking website provides access to a SIP calculator that helps estimate how step ups may affect your future investment corpus over different tenures.

Can you switch your existing Regular SIP to a Step-Up plan?

Yes. Many mutual fund platforms allow you to modify an existing SIP into a step up SIP by selecting a yearly increase amount or percentage. You must complete KYC before investing or modifying mutual fund investments, as required by SEBI regulations. The actual SIP top-up feature availability depends on the selected mutual fund scheme and platform process.

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Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form.

(ii) carry customized/personalized suitability assessment.

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.


Disclosure
: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.