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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life AMC Limited

    • Step up SIP Calculator
    The Step-Up SIP Calculator helps you estimate the returns on your increasing SIP investments over time. Use this tool to see how a structured increase in investment can enhance your financial growth.
    Min 500
    Max 10L
    â‚ą
    1 Year
    50 Years
    Min 1%
    Max 25%
    %
    Min 4%
    Max 12%
    %
    Step Up SIP at 
    1 %
    With Step Up
    • Total Invested Amount
      â‚ą 6,000
    • Total Investment Value
      â‚ą 520
    Fixed SIP
    Without Step Up
    • Total Invested Amount
      â‚ą 6,000
    • Total Investment Value
      â‚ą 520
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    Note: Returns are neither assured nor guaranteed. There is no warranty about the accuracy of the calculator. Please consult your financial advisors before taking any investment related decisions.

    Step-up SIP Calculator

    A Systematic Investment Plan (SIP) is a popular method of investing in mutual funds, where a predetermined amount is invested at regular intervals (weekly, monthly, or quarterly).

    A Step-Up SIP takes this a step further by allowing you to increase your SIP instalment periodically, usually once a year, by a fixed percentage or amount. This feature helps investors align their savings with income growth and accelerate wealth creation. Instead of starting a new SIP every time you want to invest more, a Step-Up SIP automatically raises your contribution, making investing more structured and efficient.

    What is Step up SIP Calculator?

    Over time, manually tracking and estimating potential returns under Step-up SIP can become tedious. A Step-up SIP Calculator simplifies this process by providing quick and accurate estimates.

    A Step-up SIP Calculator is an online tool that helps investors determine the future value of their SIP investments when the contribution amount increases periodically.

    It automatically factors in the annual percentage increase in SIP contributions and provides an estimate of the investment value at the end of the chosen tenure. Within seconds, investors can analyse how step-ups enhance long-term wealth accumulation.

    How to use Step-up SIP Calculator?

    Using the Step-up SIP Calculator is simple. Follow these steps:

    • Enter the initial monthly SIP contribution

    • Input the investment tenure

    • Provide the expected annual return rate

    • Specify the annual percentage increase in the SIP amount

    The calculator will display:

    • Total amount invested over the investment tenure

    • Estimated future value at the end of the tenure

    • Comparison with a standard SIP (without step-up)

    Example Calculation

    • Investment amount: â‚ą5,000 per month

    • Investment period: 5 years

    • Expected return: 12% per annum

    • Without step-up: Invested â‚ą3,00,000 → Estimated value â‚ą4,12,432

    • With 10% annual step-up: Invested â‚ą3,66,306 → Estimated value â‚ą4,92,285

    This demonstrates how increasing SIP contributions leads to higher accumulated wealth over time.

    Benefits of Using Step-up SIP Calculator

    Some of the benefits of using step-up SIP calculator include:

    Estimating returns: Allows you to estimate the potential returns before investing as modifying the SIP is not allowed, which ensures you make informed decisions.

    User-friendly: Requires only a few basic inputs for instant results.

    Time saving: Eliminates the need for complex manual calculations.

    Easy accessibility: Free to use anytime, anywhere, with unlimited calculations.

    An investor education and awareness initiative by Aditya Birla Sun Life Mutual Fund.

    Know Your Customer (KYC):

    To invest in Mutual Funds, you will need to complete your Know Your Customer (KYC) requirements. You can do so by visiting any AMC branch or nearest Point of Service and submitting the completed KYC Form along with all the required self-attested documents.
    Individual investors would be required to submit the following documents -

    • A recent passport sized Photograph

    • A Proof of identity - A copy of your PAN card

    • A Proof of Address - A copy of your Voter ID card, Passport or Driving License

    If you are already KYC Verified and would like to update any of your information, you can submit a completed KYC Details Change Form with the required self-attested documents at your nearest AMC branch or Point of Service.
    Once the investor has done KYC with a SEBI registered intermediary, the investor need not undergo the same process again with another intermediary including mutual funds.

    SEBI registered Mutual Funds:

    We advise investors to make informed decisions and are cautioned to invest only with SEBI registered Mutual Funds.
    List of Registered Mutual Funds is available at https://www.sebi.gov.in/intermediaries.html

    Redressal of Investor's Grievance:

    If you have any queries, grievances or complaints pertaining to your investments, you may approach the respective Fund House through various avenues published on their website.

    In case you are not satisfied with the resolution given by AMC, you can approach SEBI by registering your complaint on SCORES (SEBI

    Complaints Redress System) through https://scores.gov.in/scores/Welcome.html

    Aditya Birla Sun Life AMC Limited /Aditya Birla Sun Life Mutual Fund is not guaranteeing/offering/communicating any indicative yield/returns on investments.

    SIP does not assure a profit or guarantee protection against loss in a declining market. Nothing contained herein shall amount to an offer, invitation, advertisement, promotion or sponsor of any product or services. In view of individual nature of tax consequences, each investor is advised to consult his / her own professional tax advisor before taking any investment decision.

    A Step-Up SIP can be increased annually or semi-annually for monthly SIPs. However, for quarterly SIPs, the step-up option is only available annually.

    Yes, you may miss a Step-Up SIP payment if your chosen mutual fund scheme offers the option to temporarily pause investments. However, missing payments may affect your overall investment growth.

    A Step-Up SIP helps in wealth creation by gradually increasing your investment amount over time. As your income grows, increasing your SIP contributions ensures that your savings keep pace with your financial goals. Additionally, it maximizes the power of compounding, leading to higher long-term returns.

    Generally, Step-up SIP facility is available for all mutual fund schemes that allow investors to invest via a systematic investment plan.

    A conventional SIP has a fixed investment amount throughout the tenure, whereas a Step-Up SIP allows you to increase your contributions at predefined intervals. This feature helps investors gradually scale their investments without needing to set up new SIPs every time they want to invest more.

    The Step-Up option must be selected at the time of setting up the SIP. If an investor wishes to increase their SIP amount later, they will need to cancel the existing SIP and start a new one with the Step-Up option enabled.

    No, an existing SIP cannot be modified to include a Step-Up option. If you wish to increase your contribution, you must cancel the current SIP and start a new one with the Step-Up feature.

    Mutual Fund investments are subject to market risks, read all scheme related documents carefully.