A person can accumulate ₹1.01 crore through step-up SIP starting at ₹30,000/month, according to NDTV Profit. A person must step up the SIP by 10% annually for duration of 10 years. Estimated returns on invested amount of ₹57.3 lakh will be around ₹43.8 lakh at 12% annual growth rate. Step-up SIP lets investors automatically increase SIP amount at selected intervals.