Source: https://awesomecalcs.com/step-up-sip-calculator/15000-monthly-25-years-10pct-stepup
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹15,000/Month Step-Up SIP for 25 Years (10% Annual Increase)

> See the maturity value and year-by-year growth of a ₹15,000/month step-up SIP that increases by 10% each year, invested for 25 years at 12% p.a.

Interactive calculator: https://awesomecalcs.com/step-up-sip-calculator/15000-monthly-25-years-10pct-stepup

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## Scenario inputs

```json
{
  "inputs": {
    "initialMonthlyInvestment": 15000,
    "annualStepUpPercent": 10,
    "annualReturnRate": 12,
    "years": 25
  }
}
```

## Frequently asked questions

### How does this 25-year step-up SIP compare to a flat ₹15,000/month SIP for 25 years?

A flat ₹15,000/month SIP for 25 years at 12% grows to about ₹2.85 crore. The 10% annual step-up version starting at ₹15,000/month grows dramatically more, because the contributions in the later years are very large and compound for years before the SIP ends. Use the SIP calculator with monthly = ₹15,000 and years = 25 to compare.

### What is the LTCG tax impact on a large step-up SIP corpus?

Equity mutual fund gains above ₹1.25 lakh per financial year are taxed at 12.5% LTCG. On a large 25-year step-up SIP corpus, the total gains will far exceed this exemption, so tax planning matters. Stagger redemptions across financial years to maximise the annual ₹1.25 lakh exemption. Use the LTCG calculator to estimate your liability.

### Can I withdraw part of this corpus for a large goal in year 15 or 20?

Equity mutual funds have no lock-in (except ELSS which has 3 years). You can make partial withdrawals at any time, though gains realised on units held less than 1 year are taxed as STCG at 20%. For a specific goal in year 15, earmark a portion of the SIP for that goal and keep the rest running for 25 years.