What is SIP Top Up

SIP Top Ups.

A Systematic Investment Plan (SIP) is an effective wealth-building tool. By contributing a fixed amount every month, the plan helps you accumulate wealth over the long term. But as your circumstances change and your income grows, you are likely to have more money available to invest.

A SIP Top Up allows you to increase the monthly investment amount periodically. SIP top ups can be specified as a percentage or a fixed amount every year.


  • Intended investment period: 10 years.
  • Investment amount: Rs. 10,000.
  • Expected Rate of return: 12%
  • Frequency of SIP investment: Monthly.
  • Amount of incremental investment: Rs.1000/month annual increment.
SIP  investment of Rs.12 Lakhs, without top-up  becomes Rs.22.4 Lakhs, whereas a Top-up SIP investment of Rs,17.4 Lakhs becomes Rs. 30.43 Lakhs. That's a huge difference of about Rs.8 Lakhs.

Here is a graphical representation of the performance of these two strategies:

sip top up

Why Top up?

Top-ups help reach your financial goals faster. SIPs are designed to help you achieve your long-term financial ambitions.  You can expect your income to grow over the years, so investing more in an existing plan is a logical step towards building wealth.

Check with your AMC for more details.