Your dreams don't stay the same. Why should your SIP?
Top-up your SIP automatically and keep pace with your growing aspirations.
Quantum Top-Up SIP (QTop-up SIP)
What is a Top-Up SIP?
A Top-Up SIP is a facility that allows you to increase your SIP amount by a fixed amount at predefined intervals such as Half-Yearly or Yearly.
Rather than investing the same amount throughout your investment journey, you can choose to gradually increase your SIP as your income, savings capacity and financial goals evolve.
Illustrative example
If you begin with a SIP of ₹10,000 per month, you may choose to increase it by ₹1,000 every year, helping your investments stay aligned with your growing financial capacity.
Why Choose Quantum Top-Up SIP?
Invest More As You Earn More
Increase your investments gradually as your salary, business income or savings grow.
Stay Better Prepared for Tomorrow
As inflation rises, increasing your SIP periodically can help keep your investments aligned with evolving financial needs.
Build a Larger Investment Corpus
Increasing your SIP over time means investing more towards your goals to benefit from long-term compounding.
Convenience Through Automation
Register your Top-Up instruction once and your SIP amount automatically increases at your chosen interval.
Stay Disciplined
Increase your investments without the need to manually modify or restart your SIP every year.
Goal Gap Reduction
Increasing the SIP amount over time may reduce the need to start with an increased SIP amount from the outset.
How Quantum Top-Up SIP Works
Start your SIP with an investment amount of your choice.
Choose the amount by which you would like to increase your SIP.
Select your preferred Top-Up frequency (Half Yearly or Yearly).
Automatic SIP amount increment without additional paperwork.
Continue investing with discipline & stay aligned with your goals.
Regular SIP & Top-Up SIP
Two investors.
One starting point.
Consider two investors, A and B. Both start a SIP of ₹10,000 per month and remain invested for 15 years in the same mutual fund scheme.
While Investor A continues with the same SIP amount throughout the investment period, Investor B increases the SIP by 1000 every year through a Top-Up SIP.
As illustrated, gradually increasing the SIP amount results in a higher total investment and a larger estimated corpus over the long term.
| Particulars | Investor A Regular SIP | Investor B Top-Up SIP |
|---|---|---|
| Starting Monthly SIP | ₹10,000 | ₹10,000 |
| Annual Increase | Nil | ₹1000 |
| Investment Period | 15 years | 15 years |
| Assumed Rate of Return | 12% p.a. | 12% p.a. |
| Total Amount Invested | ₹18.00 lakh | ~ ₹38.13 lakh |
| Total Corpus Amount (at the end of 15 years) | ~ ₹50.45 lakh | ~ ₹87.25 lakh |
| Difference in Corpus Amount | — | ~ ₹36.55 lakh |
Disclaimer: The above illustration is provided for illustrative purposes only to explain the concept of a Top-Up SIP and is based on an assumed rate of return of 12% per annum. The assumed rate of return is used solely for illustration and should not be construed as a promise, guarantee or assurance of returns, or as an indication of the future performance of any scheme. Actual returns may vary depending on market conditions and scheme performance. Investment through SIP or Top-Up SIP does not guarantee any returns on investments or protection of capital. Investors are advised to consult their financial advisors before making any investment decision.
