# Rs 25,000 SIP with 12% annual top-up can yield Rs 28 crore in 30 years

2026-09-17T22:51:55+00:00 | Business & Economy | Indian Opinion Desk

Corroboration: 2 independent outlets

A systematic investment plan starting at Rs 25,000 per month with a 12% annual increase could grow to approximately Rs 28.10 crore over 30 years, assuming a 12% annual return, according to a mutual fund calculator. The total invested amount over the period would be about Rs 7.24 crore, with the remainder representing estimated investment gains. Without the annual top-up, total contributions would be only Rs 90 lakh. The calculation is an illustration and not a guarantee, as market returns fluctuate and can include losses. SEBI notes that such calculators are for illustrative purposes only. Taxes and inflation are not factored in, which could reduce the real value of the corpus. Financial planner Pranali Patel of Prama Gen Wealth said the SIP top-up helps investments grow alongside income and gives compounding more capital to work with. Starting at age 30 could yield the target corpus by retirement at 60.

## Indian Opinion Analysis

Both sources treat the SIP calculation as a straight mathematical illustration, with no government or political angle. The livemint piece is more detailed, including a direct SEBI disclaimer and expert commentary from a financial planner, while ndtvprofit gives only the headline numbers. The coverage is neutral and educational across both outlets, focusing on the assumptions behind the projection. Readers should note that the 12% return assumption is an input, not a guarantee, and actual results depend on market performance and the investor's ability to sustain increasing contributions.

## Coverage

- livemint.com (neutral report) <https://www.livemint.com/money/personal-finance/mutual-fund-calculator-how-25-000-a-month-can-yield-wealth-worth-28-crore-thanks-to-sip-topup-11789669019878.html>
  Presents the calculator result as an illustration with SEBI disclaimer and expert context, no slant.
- ndtvprofit.com (neutral report) <https://www.ndtvprofit.com/personal-finance/start-with-rs-10-000-build-rs-11-crore-how-a-sip-step-up-can-supercharge-your-corpus-12064308#publisher=newsstand>
  Brief headline-only mention of the SIP step-up concept, no framing or opinion.

Tags: mutual funds, Pranali Patel, SEBI, SIP
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