Step Up SIP Kya Hai? Regular SIP Ke Mukaable Bade Balance Mein Kya Hai
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Step up SIP kya hai? ₹10,000 mahina, 10 saal: bade balance mein kitna tumhara paisa hai, kitni growth, aur saal 10 ki payment.
Step up SIP kya hai? Step-up SIP tumhari monthly payment har saal badhati hai, aur regular SIP use same rakhti hai. Step-up plan zyada paise par khatam hota hai. Par us extra ka bada hissa woh paisa hai jo tumne khud jama kiya. ₹10,000 mahina, 10 saal aur 12% saal par, 10% step-up ₹10,28,540 zyada par khatam hota hai, aur usme ₹7,12,491 tumhara apna extra paisa hai.
- Step-up SIP behtar return nahi kamati. Woh zyada paisa lagati hai.
- Example mein extra ₹10,28,540 mein se ₹7,12,491 tumhara apna paisa hai. Sirf ₹3,16,049 extra growth hai.
- Har saal 10% badhne par, monthly payment saal 10 mein ₹23,579 ho jaati hai, shuruaat se dugne se bhi zyada.
- Fixed rupee rise, jaise ₹1,000 saal, payment ko percentage rise se dheere badhata hai.
Apne numbers daalkar dekho
Step up SIP calculator mein apna shuruaati amount, har saal ki badhat aur saal likho, aur dono plan saath-saath dekho.
Calculator kholoStep up SIP kya hai?
SIP, yaani systematic investment plan, har mahine ek fixed amount lagata hai. Step-up SIP us amount ko saal mein 1 baar badhati hai. Badhat percentage ho sakti hai, jaise 10%, ya fixed amount, jaise ₹1,000. Kuch fund houses ise top-up SIP kehte hain.
LearnNifty ke calculators mein badhat har 12 payments ke baad aati hai. Mahine 1 se 12 shuruaati amount dete hain. Mahine 13 se 24 mein 10% zyada, aur aise hi aage.
Step up SIP vs regular SIP: same example aamne-saamne
Dono plans ₹10,000 mahine se shuru hote hain aur maane hue 12% saal par 10 saal chalte hain. Regular plan ₹10,000 par rehta hai. Step-up plan har saal 10% badhta hai. Har payment apne mahine ki shuruaat se ginti hai. Tax aur fund charges shaamil nahi hain.
| Cheez | Regular SIP | 10% step-up SIP |
|---|---|---|
| Saal 1 mein monthly payment | ₹10,000 | ₹10,000 |
| Saal 10 mein monthly payment | ₹10,000 | ₹23,579 |
| Kul jama | ₹12,00,000 | ₹19,12,491 |
| 10 saal baad value | ₹22,40,359 | ₹32,68,898 |
| Jama paise par growth | ₹10,40,359 | ₹13,56,408 |
Sab figures nazdeeki rupee tak round hain, tax aur charges se pehle. Inme har mahine same return maana gaya hai, jo asli market kabhi nahi deta.
Extra ko apne paise aur uski growth mein baanto
Step-up plan ₹10,28,540 zyada par khatam hota hai. Is farak ke 2 hisse hain.
| Hissa | Amount |
|---|---|
| Tumhara jama kiya extra paisa | ₹7,12,491 |
| Us paise par extra growth | ₹3,16,049 |
| Kul extra value | ₹10,28,540 |
Extra ka lagbhag 69% tumhara apna paisa hai. Fund ne zyada percentage nahi kamaya. Uske paas badhne ke liye bas zyada paisa tha.
Bada final number behtar return nahi hai. Poocho ki use paane ke liye tumne kitna zyada jama kiya.
Step up SIP ya normal SIP: tumhare liye kaunsi behtar?
10% badhat par ₹10,000 saal 2 mein ₹11,000 aur saal 3 mein ₹12,100 ban jaata hai. Saal 10 tak monthly payment ₹23,579 hai. Yeh shuruaat se dugne se bhi zyada hai.
Badhti payment badhti income ke saath fit ho sakti hai. Par calculator nahi jaan sakta ki tumhari income badhegi ya nahi. Agar nahi badhi, to baad ki payments chalaana mushkil ho sakta hai. Isliye kaam ki jaanch final number nahi hai. Jaanch yeh hai ki kya tum saal 10 ka amount de paoge.
Fixed rupee rise dheere badhti hai
Percentage rise pichhle saal ke amount par lagti hai, isliye har saal thoda tez badhti hai. Fixed rupee rise har saal wahi amount jodti hai.
| Saal | 10% rise | ₹1,000 rise |
|---|---|---|
| 1 | ₹10,000 | ₹10,000 |
| 2 | ₹11,000 | ₹11,000 |
| 3 | ₹12,100 | ₹12,000 |
| 5 | ₹14,641 | ₹14,000 |
| 10 | ₹23,579 | ₹19,000 |
₹1,000 rise par plan ₹17,40,000 jama karta hai aur same maanyataon par lagbhag ₹30,43,450 par khatam hota hai. SIP kitni baar aur kitna badh sakti hai, iske fund houses aur platforms ke apne niyam hain. Calculator ki setting sirf projection badalti hai. Asli SIP instruction nahi badalti.
Step up SIP calculator par dono plans compare karo
Apna shuruaati amount, rise aur samay likho. Step up SIP calculator regular plan ko step-up plan ke bagal mein rakhta hai. Woh extra ko tumhare paise aur uski growth mein baant-ta hai, aur aakhri saal ki payment dikhata hai. Phir kam return aur chhoti rise try karo.
Calculator kholoSources
Agar yahan ka koi figure apne source se alag lage, toh source par bharosa kijiye.
Ise number mein dekho
SIP projection future nahi jaanti. Woh ek assumption ka hisaab hai.
SIP calculator with inflation aur tax: monthly SIP ya step up SIP ka final amount, tax ke baad aur aaj ke paise mein. Saal dar saal table ke saath.
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Har instalment us din ke NAV par units kharidta hai. Average cost prices ka average nahi hota, aur woh protection bhi nahi hai.
Kholo →Aksar poochhe sawaal
Kya step-up SIP regular SIP se zyada return kamati hai?
Nahi. Dono tumhare maane hue return par badhte hain. Step-up plan zyada par isliye khatam hota hai kyunki woh zyada paisa lagata hai.
Kya 10% step-up ka matlab hai ki mera paisa 10% kamata hai?
Nahi. 10% yeh hai ki payment har saal kitni badhti hai. Return ek alag number hai jo tum maante ho.
Kya top-up SIP aur step-up SIP same hain?
Aam taur par haan. Dono ka matlab hai aisi SIP jiska amount tay samay par badhta hai. Exact niyam apne fund house ya platform se check karo.
Kya step-up SIP inflation ko peeche chhod degi?
Apne aap nahi. Badhte daam aur badhti payments alag cheezein hain. Example mein step-up value ₹32,68,898 hai, jo 6% saalana inflation par aaj ke paise mein lagbhag ₹18,25,336 ki hai.
Aage padho
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