# Regular vs Step-Up SIPs: Higher Returns or Larger Corpus?

> Step-up SIPs boost corpus but lower XIRR: ₹1,000 fixed top-ups vs 10% annual increases.
- Title: Regular vs Step-Up SIPs: Higher Returns or Larger Corpus?
- Summary: Step-up SIPs boost corpus but lower XIRR: ₹1,000 fixed top-ups vs 10% annual increases. Step-up SIPs create larger corpus but lower XIRR than regular SIPs…
- Keywords: regular sip, step-up sip, xirr, bse sensex tri, mutual fund, sips, investment strategy, news, india, Regular, Step-Up, Higher
- Source: mint — https://livemint.com/money/personal-finance/regular-vs-step-up-sips-do-1-000-and-10-annual-top-ups-give-you-higher-xirr-returns-or-just-create-a-larger-corpus-11792212006353.html
- Author: Sheetal Goel
- Published: 2026-10-17T07:09:19+00:00
- Read time: 1 min
- Topics: regular sip, step-up sip, xirr, bse sensex tri, mutual fund, sips, investment strategy, news, india
## What are step-up SIPs?
A step-up SIP increases monthly contributions by a fixed amount or percentage annually.
## Fixed vs variable top-up SIPs
Fixed top-up SIPs add ₹1,000 yearly; variable top-up SIPs increase monthly contributions by 10% annually.
## Investment comparison over time
Regular SIPs yield higher XIRR but step-up SIPs create larger corpus over 5-25 years.
## Fixed top-up SIP results
₹1,000 annual top-ups create ₹318.22 lakh corpus with 12.70% XIRR after 25 years.
## Variable top-up SIP results
10% annual top-ups create ₹413.56 lakh corpus with 12.32% XIRR after 25 years.
## XIRR comparison
Regular SIPs deliver higher XIRR than step-up SIPs across all investment periods.
## Key takeaway
Choose top-up amounts you can sustain as income grows, not just larger corpus.
## Key takeaway

Step-up SIPs create larger corpus but lower XIRR than regular SIPs over 5-25 years.